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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
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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.
3
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.
4
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.