Investment Calculators
Portfolio Allocation Calculator
Compare your current holdings with a target allocation and see exactly what to buy or sell to rebalance.
Portfolio value
$100,000
- Equities adjustment
- $10,000.00
- Bonds adjustment
- $0.00
- Cash adjustment
- -$10,000.00
- Largest drift from target
- 10%
- Equities
- Bonds
- Cash
How this calculator works
Adjustment = total × target weight − current holding
- drift
- how far the largest holding sits from its target weight
Example calculation
Illustrative example — not advice
Worked example — the portfolio allocation calculator as it loads, using the default figures below.
- 01Enter equities held: $60,000.
- 02Enter bonds held: $25,000.
- 03Enter cash held: $15,000.
- 04Enter target equities: 70%.
- 05Enter target bonds: 25%.
- 06Enter target cash: 5%.
- 07Read the portfolio value from the results panel: $100,000.
Portfolio value: $100,000. Equities adjustment: $10,000.00. Bonds adjustment: $0.00. Cash adjustment: -$10,000.00. Largest drift from target: 10%.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
Important considerations
- Rebalancing can trigger tax and dealing costs — new contributions are often the cheaper lever.
- Target weights are assumed to sum to 100%; they are normalised if they do not.
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- ROI CalculatorTotal and annualised return on any investment.
- CAGR CalculatorCompound annual growth rate between two values.
Terms used here
Frequently asked questions
How often should I rebalance?
Annually, or when a holding drifts beyond a set band, is the common discipline.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01