International Stocks
Projected allocation after the suggested contribution: 16.67%
Investing calculator
Portfolio Allocation Calculator
Compare your current portfolio mix with a target allocation, estimate rebalance buy or sell amounts, and see how new contributions could move the portfolio closer to the mix you want to hold.
Editor
Portfolio allocation inputs
Enter the current holdings, target mix, and any new contribution in one calm planning layout. The allocation comparison and rebalance suggestions update live as you adjust the numbers.
Inputs
Asset allocation describes how your portfolio is divided among major investment categories. Keep the core holdings, target percentages, and contribution amount visible first, then open advanced options only if needed.
Current portfolio holdings
Enter the current dollar amount held in each major asset class. The total portfolio value and current allocation percentages update instantly.
Total current portfolio value: $120,000.00
Target allocation
Enter the target percentage for each asset class. Your target allocation should total 100% before the rebalance estimates unlock.
Target total: 100%. The target mix is valid and ready for rebalance comparisons.
Optional new contribution
New contributions can be directed toward underweight asset classes to reduce drift before selling anything.
Advanced options
Keep version 1 practical by default, then choose how you want to think about rebalancing.
Choose whether the planning emphasis should stay on contribution-only rebalancing or the exact full rebalance.
Results
Portfolio allocation results
Review the portfolio value first, then compare the current mix to the target, see where the drift sits today, and decide whether a contribution plan or full rebalance feels more practical.
Total portfolio value
$120,000.00
The current portfolio has meaningful drift from the target mix, so a rebalance or contribution plan would help bring it closer. Contribution-based rebalancing can reduce drift first, then you can decide whether selling is still needed later.
Rebalance status
Needs rebalancing
Largest overweight
U.S. Stocks (+15%)
Largest underweight
International Stocks (-5%)
Stocks allocation
75%
Target: 65% across U.S. and international stocks.
Bond allocation
20%
Target: 25%.
Cash allocation
5%
Target: 10%.
Largest drift
15%
Largest dollar gap: $18,000.00.
New contribution
$12,000.00
New money can be directed toward underweight categories to reduce drift before selling.
Planning emphasis
Partially improves drift
This contribution narrows the current allocation gaps, but some underweight categories would still remain below target afterward.
Current vs target breakdown
This table shows where the portfolio sits now, where the target mix points, and how much buying, selling, or new-money allocation would be needed to move closer.
| Asset class | Current amount | Current % | Target % | Difference % | Buy / sell amount | Suggested contribution |
|---|---|---|---|---|---|---|
| U.S. Stocks | $72,000.00 | 60% | 45% | +15% | Sell $18,000.00 | None |
| International Stocks | $18,000.00 | 15% | 20% | -5% | Buy $6,000.00 | $4,000.00 |
| Bonds | $24,000.00 | 20% | 25% | -5% | Buy $6,000.00 | $4,000.00 |
| Cash / Short-term | $6,000.00 | 5% | 10% | -5% | Buy $6,000.00 | $4,000.00 |
Contribution allocation suggestion
If you add new money, this section shows how it could be directed toward underweight categories before selling anything.
Partially improves drift
This contribution narrows the current allocation gaps, but some underweight categories would still remain below target afterward.
Suggested contribution
$12,000.00
Leftover contribution
None
Current gap closed
66.67%
Projected invested total
$132,000.00
$4,000.00
Bonds
Projected allocation after the suggested contribution: 21.21%
Cash / Short-term
Projected allocation after the suggested contribution: 7.58%
Current vs target allocation
These grouped bars keep the comparison clean: darker bars show the current mix, and lighter bars show the target percentage for each asset class.
CurrentTarget
U.S. Stocks
Current: 60%Target: 45%
Current
Target
International Stocks
Current: 15%Target: 20%
Current
Target
Bonds
Current: 20%Target: 25%
Current
Target
Cash / Short-term
Current: 5%Target: 10%
Current
Target
Rebalance note
A short planning note to keep the numbers in context.
Rebalancing can help bring the portfolio back toward the intended mix. New contributions can sometimes reduce drift before any selling is needed.
How it works
How this portfolio allocation calculator works
This calculator compares the current dollar mix in your portfolio with the target percentages you want to hold. It then estimates where the portfolio is overweight or underweight, what a full rebalance would require, and how a new contribution could reduce drift without overcomplicating the workflow.
How this portfolio allocation calculator works
The calculator starts with the current dollar amount in each asset class, totals the portfolio, and converts each holding into a current allocation percentage. It then compares those percentages with your target allocation to show drift, estimate buy and sell amounts, and suggest how new contributions could move the mix closer.
What asset allocation means
Asset allocation describes how your portfolio is divided across major investment categories such as stocks, bonds, and cash. The mix is often used to express a long-term plan around growth, stability, liquidity, and overall risk tolerance.
Why current allocation can drift over time
Allocation drift happens when one part of the portfolio grows faster than another, or when new money is added unevenly. Over time, that can leave the portfolio with a different mix than the one you intended to hold.
How rebalancing works
Rebalancing compares the current portfolio against the target mix and estimates how much would need to be bought or sold to bring each category back toward its intended weight. This calculator keeps that math at the asset-class level instead of turning it into a brokerage dashboard or trade optimizer.
Why new contributions can help rebalance a portfolio
Directing new money toward underweight categories can sometimes reduce drift before any selling is needed. That can be a practical first step when you want to move closer to your target mix while keeping the process simple and calm.
FAQ
What is portfolio allocation?
Portfolio allocation is the percentage split of your overall investments across categories like stocks, bonds, and cash. It is a way to describe how the portfolio is structured rather than a prediction of future returns.
What is the difference between current allocation and target allocation?
Current allocation reflects how the portfolio is actually invested today. Target allocation reflects the mix you want to hold over time. The gap between those two views is what creates drift and drives rebalancing decisions.
How do you rebalance a portfolio?
A full rebalance estimates the buy and sell amounts needed to bring the current holdings back to the target percentages. This calculator shows that math clearly at the asset-class level.
Can I rebalance using new contributions instead of selling?
Sometimes, yes. New money can often be directed toward underweight categories first, which helps reduce drift without requiring immediate selling. This calculator shows that contribution-based suggestion separately from the exact full rebalance.
Why does my asset allocation drift over time?
Drift usually comes from uneven market movement, income being added more heavily to one category, or a portfolio that has not been reviewed in a while. Even a well-designed target mix can drift if the holdings are left alone long enough.
Is there one best allocation for everyone?
No. A target allocation should reflect your goals, time horizon, liquidity needs, and risk tolerance. This tool helps with the math of comparing mixes, not with choosing one universal allocation.
Estimate disclaimer
This calculator provides allocation and rebalance estimates only. It does not predict returns or investment performance, and it does not model taxes, trading costs, account restrictions, or personal circumstances in detail. Asset allocation should reflect your goals, time horizon, and risk tolerance.
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