Portfolio Rebalancer

Current Holdings

Enter market values & cost basis

Asset Class	TAXABLE ACCOUNT Taxable ($)	— Cost Basis ($)	— Unrealized Gain	Pre-Tax ($)	Roth ($)	Total	Current %	Target %

⚠ Target allocations must sum to 100%. Currently:

Rebalancing Rules

Adjust thresholds & preferences

Avoid Taxable Gains on Sell

When YES, positions with unrealized gains won't be sold in taxable. Sells route to Pre-Tax / Roth instead.

Rebalance Drift Threshold

Trigger a full rebalance when any asset drifts beyond this % from its target.

Max Bonds in Roth (%)

Bonds preferably stay out of Roth — growth assets benefit most from tax-free compounding. Excess bonds will be rerouted to Pre-Tax on rebalance.

Max Bonds in Taxable (%)

Bonds generate ordinary income — cap taxable bond exposure. Excess bonds will be rerouted to Pre-Tax on rebalance.

Min Equities in Roth (%)

Roth is best for highest-growth assets. If Roth equity % falls short, rebalance will target additional equity buys in Roth.

Min Equities in Taxable (%)

Taxable accounts favour equities (LTCG rates). If taxable equity % falls short, rebalance will target additional equity buys in Taxable.

Always Rebalance (Override)

YES = ignore drift threshold and always show a full rebalance. NO = only rebalance if threshold is breached.

Rebalance Analysis

Drift Analysis

Asset Class	Current $	Target $	$ Gap	Current %	Target %	% Drift	Action

Tax-Location Check

Check	Account	Asset Class	Current %	Rule Limit	Status	Guidance

Taxable Gain Exposure

Asset	Taxable Value	Cost Basis	Unrealized Gain	Gain %	Sell Status	Note

Suggested Transactions

Sells fund buys within each account. Total per column = $0.

Asset Class	Taxable ($)	Pre-Tax ($)	Roth ($)	Net Change	Notes

New Portfolio Preview

After suggested transactions

Asset Class	Taxable	Pre-Tax	Roth	New Total	New %	Target %

Post-Rebalance Drift Check

Asset Class	New %	Target %	Remaining Drift	Reason

⚠ These are model-generated suggestions only. Review tax implications, wash-sale rules, and your specific account restrictions before executing any trades. This tool does not constitute financial advice.