Rebalancing Calculator
Optimize your portfolio composition. Calculate the required reallocation for your target allocation. Online calculator with current 2026 market rates and clear.
Total portfolio
85.000,00 €
| Asset class | Current allocation | Target allocation | Soll-Wert | Difference | Action |
|---|---|---|---|---|---|
| Aktien Welt | 52,9% | 60,0% | 51.000,00 € | +6.000,00 € | Buy |
| Anleihen | 29,4% | 25,0% | 21.250,00 € | -3.750,00 € | Sell |
| Immobilien | 17,6% | 15,0% | 12.750,00 € | -2.250,00 € | Sell |
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What is portfolio rebalancing?
Rebalancing means adjusting your portfolio back to its target allocation (e.g., 70% stocks, 30% bonds). Over time, different returns cause the actual allocation to drift from the target.
How often should I rebalance my portfolio?
Common approaches are calendar-based (annually or semi-annually) or threshold-based (when allocation drifts more than 5% from target). Less frequent rebalancing reduces transaction costs.
What is the Rebalancing Calculator?
The rebalancing calculator shows which buy or sell orders are needed to return your portfolio to the target allocation.
How does the Rebalancing Calculator work?
Enter your current portfolio breakdown and the target allocation. The calculator computes deviations and shows which positions need to be increased or reduced. It supports rebalancing through purchases, sales or new contributions.
Key Data and Facts
Recommended rebalancing frequency: 1-2 times per year or when deviation exceeds 5 percentage points. Consider tax on realised gains when selling.
Step-by-Step Guide
So fuehren Sie ein Portfolio-Rebalancing durch step by step: 1. Zielallokation festlegen: z. B. 70 % Aktien-ETF, 20 % Anleihen, 10 % Tagesgeld. 2. Aktuelle Portfoliowerte enter: Den aktuellen Wert jeder Position erfassen. 3. Ist-Gewichtung calculate: Wert der Position / Gesamtwert x 100. 4. Abweichungen pruefen: Differenz zwischen Ist- und Zielgewichtung. Rebalancing empfohlen ab 5 Prozentpunkten Abweichung. 5. Anpassungen calculate: Der Rechner zeigt, welche Betraege umgeschichtet werden muessen. 6. Methode choose: Durch Verkaeufe/Kaeufe oder durch gezielte Nachkaeufe mit neuen Einzahlungen (steuerlich guenstiger). Beispiel: Portfolio 50.000 EUR. Ziel: 70 % Aktien, 30 % Anleihen. Aktuell: Aktien 40.000 EUR (80 %), Anleihen 10.000 EUR (20 %). Soll: Aktien 35.000 EUR, Anleihen 15.000 EUR. Aktion: 5.000 EUR vom Aktien-ETF verkaufen und in Anleihen umschichten. Oder bei naechster Einzahlung (z. B. 2.000 EUR) komplett in Anleihen investieren.
Calculation Example
Portfolio 50.000 EUR. Ziel: 70 % Aktien / 30 % Anleihen. Ist: 80 % / 20 %. Umschichtung noetig: 5.000 EUR von Aktien in Anleihen. Alternativ: naechste Einzahlung gezielt in Anleihen.
Related Calculators
Consumer Loan Calculator
Calculate monthly payments, total costs and amortization schedule for your loan. With interest rate, term and extra payments.
Interest & Compound Interest Calculator 2026 — Free Online
Calculate compound interest with the Rule of 72: capital doubles in 14 years at 5% p.a. Add monthly savings, get full amortization. Free, no registration.
Home Purchase Financing Calculator
Calculate your mortgage with repayment, fixed-rate period and extra payments. Including amortization schedule and remaining balance.
Compound Interest Calculator
Calculate the compound interest effect over any period. See how your wealth grows exponentially. Free with amortization schedule, interest comparison, examples.