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Enter holdings to see drift
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Max Drift
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Total Value
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All holdings
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Max Drift
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Furthest from target
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Assets On Target
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Within threshold
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Trades Needed
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To rebalance
🎯 Rebalancing Verdict
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📋 Holdings
Enter asset classes with current value and target %
⚙️ Settings
📊 Allocation Snapshot
Actual vs target at a glance
What this means in plain English
Add your portfolio holdings and target allocations above to see which assets have drifted and whether it's time to rebalance.
What you should do next
- Add your holdings to get specific next steps for rebalancing your portfolio.
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Pro lets you save your full portfolio and check drift over time — see how your allocation shifts after market moves and when each asset class last triggered a rebalance.
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Drift Analysis
How far each asset class has drifted from your target allocation
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Rebalancing Trades
Exact dollar amounts to buy or sell per asset class
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Holdings Detail
Full breakdown of every asset class
Actual Allocation
Drift by Asset Class
Target Allocation
Rebalancing Trades
Portfolio Rebalancing Report
Vault & Vessel Studio ·
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How To Use
Keep your portfolio on target — track drift, get exact rebalancing trades
🚀 Getting Started
1
Enter Your Holdings
Add each asset class (US Stocks, Bonds, International, etc.) with its current dollar value and your target allocation percentage.
2
See Your Drift
Drift shows how far your actual allocation has moved from your target. Over 5% drift means you're taking different risk than you planned.
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Get Exact Trades
The rebalancing calculator tells you exactly how many dollars to buy or sell in each asset class to get back on target.
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Execute & Repeat
Make the trades, then check back quarterly. Most advisors recommend rebalancing when any asset drifts more than 5% from target.
📊 Terms Made Simple
Asset Allocation: How your money is divided between different investments (stocks, bonds, international, etc.). Your allocation determines your risk level. 80/20 stocks-to-bonds is aggressive. 60/40 is moderate.
Drift: The difference between your actual allocation and your target. If you targeted 60% stocks but now it's 68%, you've drifted +8%. That means more risk than you planned for.
Rebalancing: Selling what's grown too much and buying what's lagged to get back to your target allocation. It's counterintuitive — you're selling winners — but it enforces "buy low, sell high" discipline.
Threshold: The drift percentage that triggers rebalancing. Setting it at 5% means: don't touch anything until an asset class drifts more than 5 percentage points from target. Too frequent = tax drag. Too rare = risk drift.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Tax implications of rebalancing vary. Consider consulting a tax professional before executing trades in taxable accounts.