Portfolio Rebalancing Calculator
Get the exact trades to hit your target mix - then see the tax selling would cost, and how rebalancing with new cash instead avoids it. Most tools only show the sells; this one shows the tax-smart way.
Tax estimate assumes sold proceeds are gains taxed at your rate (upper bound - real tax depends on cost basis and, in Turkey, inflation indexing). Cash-flow rebalancing uses new contributions only, so it triggers no sale and no tax. Not financial advice.
Frequently asked
What is portfolio rebalancing?
Rebalancing means bringing your holdings back to your target mix after markets have pushed them out of line. If stocks surge, they can grow from a planned 60% to 70% of your portfolio - quietly raising your risk. Rebalancing sells a little of what has grown and tops up what has lagged, so your risk stays where you intended.
How can I rebalance without selling (and without tax)?
Switch this tool to "Add new cash" mode. Instead of selling your winners - which can trigger capital gains tax and trading costs - you direct new contributions to your underweight assets first. Over time this nudges you back toward target with zero selling. Most bank and broker tools never suggest this; it is one of the most tax-efficient habits an investor can build.
How much tax does selling to rebalance cost?
It depends on your gains and your rate. Enter a capital gains tax rate and the tool estimates the tax on the amount you would sell (an upper-bound estimate that assumes the proceeds are gains). Then compare it with the "Add new cash" mode, which shows how much of that tax you avoid by rebalancing with contributions instead of sales.
What is the 5/25 rule (rebalancing bands)?
Rather than rebalancing on a fixed calendar, many investors use tolerance bands: only act when an asset drifts more than a set amount from its target (classically 5 percentage points, or 25% of the target weight for smaller positions). Set your band above - if everything is within tolerance, the tool tells you no action is needed, saving needless trades and tax.
How often should I rebalance?
Research suggests rebalancing too often adds costs without much benefit. A common approach is to check once or twice a year, or whenever an asset breaches your tolerance band - whichever comes first. Using new contributions to rebalance (cash-flow rebalancing) lets you stay close to target continuously without any explicit "rebalancing event".
Can Alvest rebalance my real portfolio?
Yes. Alvest reads your actual holdings across stocks, funds, gold and crypto, tracks drift from your targets, and - uniquely for Turkey - estimates the real capital gains tax (with inflation indexing) that selling would trigger, so you can rebalance tax-smart. You can start free.