Three-Fund Portfolio Rebalancing Calculator
Your Three-Fund Portfolio doesn't stay balanced on its own. The market moves, allocations drift, and that 65/25/10 split you chose quietly becomes 72/20/8 while you're busy working.
This calculator fixes that in about 30 seconds. Enter your current VTI, VXUS, and BND balances, set your target percentages, and it tells you exactly what to buy and sell. Done.
You can also add extra funds as you rebalance.
New to rebalancing? Read the full guide to rebalancing your Three-Fund Portfolio for the why, when, and how. Got more than three funds? Use the Large Portfolio Rebalancing Calculator instead.
Three-Fund Rebalancing Calculator
Enter your target allocation and current ETF balances. We'll tell you exactly what to buy or sell to get back on target. Twenty minutes, once a year.
What mix did you choose? Pick a preset or enter your own.
Log into your brokerage and enter the current dollar value of each ETF holding.
| Fund | Current Balance |
|---|---|
| U.S. Stocks VTI / SCHB |
$
|
| Int'l Stocks VXUS / SCHF |
$
|
| Bonds BND / SCHZ |
$
|
Entering new money here lets the calculator direct it toward underweight funds first — so you buy less and sell less. Works great for taxable accounts.
Your Rebalancing Results
| Fund | Current Balance | Target Balance | Difference |
|---|
Here's exactly what to buy or sell to get back to your target allocation.
💡 Inside a Solo 401(k) or Roth IRA, selling to rebalance has zero tax consequences — buy and sell away. In a taxable brokerage account, try directing new contributions toward the underweight fund to avoid triggering capital gains tax. Don't stress if you're off by a point or two — close enough is good enough.
Frequently Asked Questions
How often should I rebalance my Three-Fund Portfolio?
Once or twice a year is plenty. I do it quarterly when I make my Solo 401(k) contributions — it takes about five minutes. If any position has drifted more than 5 percentage points from its target, rebalance. If not, leave it alone.
Does rebalancing inside a Solo 401(k) or Roth IRA trigger taxes?
No. Buy, sell, trade all you want inside tax-advantaged accounts — no capital gains taxes. That's one of the big advantages of investing through a Solo 401(k) or Roth IRA. In a taxable account, rebalancing by directing new contributions into underweight positions avoids selling and triggering taxes.
What if I have more than three funds?
Use the Large Portfolio Rebalancing Calculator. It handles any number of positions — four funds, six funds, whatever you've got.
Vanguard founder Jack Bogle:
