Aurora Finance
Calculator

Portfolio allocation calculator

Asset allocation is the single largest driver of long-term portfolio returns. This calculator shows how far your current allocation drifts from target and what to buy or sell to rebalance.

Updated July 2026
Current holdings
$
$
$
Target allocation (must sum to 100%)
%
%
%
AssetCurrentCurrent %Target %Action
Stocks$70,00070.0%60.0%Sell $10,000
Bonds$20,00020.0%30.0%Buy $10,000
Cash$10,00010.0%10.0%Balanced

How it works

Target$_i = Portfolio × Target%_i ; Trade_i = Target$_i − Current$_i
  • Enter your current dollar amounts in stocks, bonds, and cash.
  • Enter your target percentages (they should sum to 100).
  • The calculator returns current weights, target weights, and how much to add or trim in each bucket.

Worked examples

  • $70k stocks, $20k bonds, $10k cash. Target 60/30/10 on $100k → sell $10k stocks, buy $10k bonds.

Frequently asked questions

How often should I rebalance?

Once a year, or when any asset drifts 5+ percentage points from target — whichever comes first.

Should I rebalance in taxable accounts?

Direct new contributions to under-weight assets first; only sell to rebalance when unavoidable to minimise capital-gains tax.

Related

Asset allocation (glossary)
Reference definition.
Portfolio basics guide
Deeper background.
Educational information only. Not personalised financial advice. Consult a qualified professional for decisions specific to your situation.