ETF Rebalancing Calculator: back to your target allocation
Enter your current value per asset class and your target percentages — the calculator shows what to buy or sell.
Your allocation
Simplified calculation without taxes or transaction costs, not investment advice.
3 asset classes deviate from your target allocation.
Positive values mean buy, negative values mean sell.
Total value
€100,000.00
Sum of targets
100%
Adjustments needed
3
What does this mean for your real wealth?
The calculation above uses the weights you entered. From your imported portfolio, Planafolio reads the actual split by security, country and currency – for ETFs with a look at their holdings (X-Ray, free).
Check my portfolio allocationWhat does the result mean?
The result shows how much you would need to buy or sell per asset class to get back to your target weights. Tiny amounts are ignored.
Model assumptions
- A pure reallocation calculation at today's values, without future price moves. Target weights are not normalised to 100%.
- Taxes on returns (German flat tax, advance lump sum) are not deducted.
- Fund costs, order fees and spreads are not deducted.
How the calculator works
Target value = total value × target weight. The difference to the current value is the amount to buy or sell.
More on the methodologyWorked example
Example: bringing a portfolio back to its target allocation
Worked example using the calculator's default values above: four asset classes whose weights have drifted over time. It shows how many euros each class would hold at its target weight.
Inputs
- Securities (target 70%)€60,000
- Crypto (target 10%)€15,000
- Real estate (target 15%)€15,000
- Cash (target 5%)€10,000
Calculation
| Total portfolio value | €100,000 |
|---|---|
| Target value Securities (today 60%) | €70,000 |
| Target value Crypto (today 15%) | €10,000 |
| Target value Real estate (today 15%) | €15,000 |
| Target value Cash (today 10%) | €5,000 |
Result
| Securities: buy (+) or sell (−) | +€10,000 |
|---|---|
| Crypto: buy (+) or sell (−) | −€5,000 |
| Real estate: buy (+) or sell (−) | €0 |
| Cash: buy (+) or sell (−) | −€5,000 |
| Total amount moved | €10,000 |
What is sold in the overweight classes goes into the underweight ones, so purchases and sales balance out exactly.
Sources and status
Content reviewed on September 29, 2026.
- § 20 Abs. 2 EStG – Veräußerungsgewinne (im Rechner nicht berücksichtigt)
- § 20 InvStG – Teilfreistellung
The calculation is a simplified model under the stated assumptions and is not investment or tax advice.
What can I do?
Instead of selling, you can direct new contributions into the underweight classes – that way no gains are realised, so no tax is due on them.
How it works
Rebalancing in detail
Why and how to regularly rebalance your portfolio.
Why rebalance?
Different price movements shift your allocation over time — rebalancing brings your risk back to the level you intended.
Buying underweight classes
Asset classes below their target share get topped up — usually the classes that have recently performed worse.
Selling overweight classes
Asset classes above their target share get trimmed — this tends to realize gains.
Frequently asked
Questions about rebalancing
Rebalancing means bringing a portfolio back to its originally planned target allocation through targeted buys and sells.
Common approaches are fixed intervals (e.g. yearly) or threshold-based (e.g. once a deviation exceeds 5 percentage points) — both are reasonable, not the one correct answer.
With Planafolio Pro you see deviations and concrete buy/sell suggestions for your real portfolio — execution is up to you.
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Rebalancing for your real portfolio
See for free how your actual portfolio splits by country, currency and sector. Your own target allocations and rebalancing suggestions come with Pro.
Check my portfolio allocation