Asset Allocation and Rebalancing Calculator
Enter what you hold in equity, debt, gold and cash, and the mix you want. The calculator shows your current percentages, the target amount for each, and what to buy or sell to get there. If you would rather not sell, it shows how to split fresh money to move towards the target.
On this page
Calculator and results
Your ₹10,00,000 portfolio is 70% equity, 20% debt, 5% gold, 5% cash. To reach the target, sell ₹1,00,000 of equity and buy ₹1,00,000 of debt. Without selling, it would take ₹1,66,667 of new money to reach the target.
What you hold today
The mix you want
A rule of thumb, not advice. It ignores your goals, timeline and comfort with risk; adjust the figures below to suit you.
Targets add up to 100%.
New money (optional)
Used for the rebalance-without-selling plan.
To move
₹1,00,000
sell this much, buy the same
Portfolio
₹10,00,000
today
Equity
70%
target 60%: sell ₹1,00,000
Debt
20%
target 30%: buy ₹1,00,000
Gold
5%
target 5%: hold
Cash
5%
target 5%: hold
Rebalance by buying and selling
| Asset | Now | Now % | Target | Buy or sell |
|---|---|---|---|---|
| Equity | ₹7,00,000 | 70% | ₹6,00,000 | Sell ₹1,00,000 |
| Debt | ₹2,00,000 | 20% | ₹3,00,000 | Buy ₹1,00,000 |
| Gold | ₹50,000 | 5% | ₹50,000 | Hold |
| Cash | ₹50,000 | 5% | ₹50,000 | Hold |
Rebalance with new money only
| Asset | Add | After | After % | Target % |
|---|---|---|---|---|
| Equity | ₹0 | ₹7,00,000 | 66.67% | 60% |
| Debt | ₹50,000 | ₹2,50,000 | 23.81% | 30% |
| Gold | ₹0 | ₹50,000 | 4.76% | 5% |
| Cash | ₹0 | ₹50,000 | 4.76% | 5% |
₹50,000 moves the mix closer to the target but not all the way. Reaching it without selling would take ₹1,66,667 of new money, or you can direct future SIPs the same way.
Selling can mean capital gains tax, exit loads and charges, which are not included here.
Saved scenarios stay in this browser only. No sign-up.
To rebalance, move
₹1,00,000
- What it is:
- A calculator for checking a portfolio's mix against a target and planning a rebalance.
- What it calculates:
- Current percentages, target amounts, the buy or sell for each asset class, and a new-money-only rebalancing plan.
Key Assumptions
- Holdings are at today's market value.
- Tax, exit loads and transaction charges from selling are not included; selling can trigger capital gains tax.
- The target mix is your choice; the age rule of thumb is a starting point only.
How does the Asset Allocation Calculator work?
Current % = each holding / total holdings. Target amount = total x target %.
Buy or sell = target amount - current holding. The buys add up to the sells, so the total stays the same.
With new money only, nothing is sold. The money goes first to the class furthest below its target, then shared with the next one once they are level, until it runs out. If the money is more than enough to reach the target, the rest is split by the target mix.
The optional '100 minus your age in equity' starting point is a common rule of thumb, not advice. The right mix depends on your goals, when you need the money, your other income and how you handle falls in value.
Asset Allocation Calculator formula
Current % = H / T x 100; Target amount = T x w; Buy (+) or sell (-) = T x w - H
- H
- = current holding in an asset class
- T
- = total of all holdings
- w
- = target share of that class, as a decimal
New money only: find level L so that the sum of max(0, w x L - H) over all classes equals the new money; each class gets max(0, w x L - H).
Asset Allocation Calculator: worked example
A ₹10,00,000 portfolio with a 60/30/5/5 target and ₹1,20,000 of new money
- Equity: 70% now, 60% target
- Sell ₹1,00,000
- Debt: 20% now, 30% target
- Buy ₹1,00,000
- Gold: 5% now, 5% target
- Hold
- Cash: 5% now, 5% target
- Hold
- New money only: add to debt
- ₹1,15,000
- New money only: add to gold
- ₹2,500
- New money only: add to cash
- ₹2,500
Asset Allocation Calculator: frequently asked questions
What is rebalancing?
How often should I rebalance?
Why rebalance with new money?
Is 100 minus age a good rule?
Should cash be part of the mix?
Further reading
On the same money and the same return, a lumpsum wins on arithmetic. Why a SIP is still the right answer for most people in India.
Comprehensive comparison between Mutual Fund SIPs and Bank Fixed Deposits in India. Compare after-tax returns, volatility, inflation beating, and liquidity.
Report a problem with this calculator
Reviewed by Pradipta Ray, MBA (Finance) · Updated