Rebalancing back to your target allocation is straightforward in theory, but selling appreciated positions in a taxable account can trigger a tax bill you didn’t need to pay. This calculator helps you find where the drift actually is and which accounts can absorb the correction without realizing unnecessary capital gains.
Enter your current balances across taxable, pre-tax, and Roth accounts, along with your target allocation. The tool flags which asset classes have drifted past your tolerance band and suggests which accounts to rebalance from, prioritizing tax-advantaged accounts over taxable ones with embedded gains.
This isn’t a substitute for a full financial plan. It won’t tell you what to trade. It shows you what actually needs to change, and what you can safely leave alone.
Want the full logic behind this, including a worked example with real numbers?
If the Calculator is difficult to view in the page frame correctly, you can view the calculator as a standalone page.