How to use the rebalancing calculator
Add one row per asset with the amount you hold, the current price and the target weight. Press “Fill live prices” to load current market prices for supported coins, or type your own. Targets should add up to 100%; if they do not, the calculator scales them proportionally and tells you.
In “Buy and sell” mode, the result brings every asset exactly to its target. In “Only buy with new money” mode, enter the amount you are adding: it goes first to the assets furthest below target, and any remainder is split by target weight. Nothing is sold — useful when selling would trigger fees or a taxable event.
How it is calculated
For each asset, the target value is its weight times the total portfolio value (after any contribution). The difference from the current value is the trade.
total = Σ amount_i × price_i (+ new money)
target_i = total × weight_i
trade_i = target_i − value_i (+ buy, − sell)
units_i = trade_i / price_i
drift_i = current% − target%Example
You hold 0.1 BTC at $65,000 ($6,500), 1.5 ETH at $3,200 ($4,800) and 500 USDT. The portfolio is worth $11,800 and sits at 55.1% BTC, 40.7% ETH and 4.2% stablecoins. With targets of 50/30/20, the calculator says: sell about $600 of BTC (0.0092 BTC), sell $1,260 of ETH (0.394 ETH) and add $1,860 of USDT. Total trade volume is $1,860 — the amount that actually changes hands.
When to rebalance
There is no single right schedule. The two common approaches are:
- Calendar rebalancing: once a quarter or once a year, regardless of prices. Simple and predictable.
- Threshold rebalancing: only when an asset drifts more than a set band, for example 5 percentage points from target. Fewer trades, reacts to big moves.
- Cash-flow rebalancing: direct every new deposit to the underweight asset (the “only buy” mode) and rarely sell at all.
- Combine with DCA: if you buy on a schedule, adjust what you buy each time instead of selling.
Costs to keep in mind
Every rebalance trade pays a spread or fee, and moving coins between wallets or networks costs network fees. Rebalancing too often can cost more than the drift it corrects. Before trading, check the amounts with the Break-Even and Stablecoin Fee tools, and remember that in many countries selling crypto — or swapping one coin for another — is a taxable disposal; the Tax-Lot Calculator helps you see the realized gain per lot.
Rebalancing is a risk-control discipline, not a return booster. It systematically trims what has run up and adds to what has lagged, which keeps the portfolio's risk close to what you chose.
Choosing target weights
The calculator does the arithmetic, but the targets are your decision. A few principles people use when setting them: size each coin by how much of a drop you could stomach, not by how much you expect it to rise; keep a stablecoin share for buying opportunities and for peace of mind; and avoid splitting the portfolio into so many small positions that rebalancing fees eat the benefit. Writing the targets down before markets move makes it far easier to follow them when prices are emotional.
Targets do not have to be permanent. Many investors gradually shift weights as goals change — for example, increasing the stablecoin share as a planned withdrawal date approaches. Each time you change targets, run the calculator once to see the trades it implies.
Free rebalancing template for Excel
The template above does the same math in a spreadsheet: enter each coin, amount, price and target weight; formulas show the current weight, the drift and the dollar amount and coin quantity to buy or sell. Update prices once a month or once a quarter and you have a repeatable rebalancing routine. Free download, no sign-up, works in Google Sheets too.
Frequently asked questions
+How do I rebalance a crypto portfolio?
Decide target weights, calculate each asset's current value and share, then buy or sell the difference between the target value and the current value. The calculator gives the exact amounts.
+Can I rebalance without selling?
Yes. Choose “Only buy with new money” and enter the amount you are adding — it is allocated to underweight assets first.
+What if my targets don't add up to 100%?
They are scaled proportionally, so 40/40/40 is treated as one third each. A note appears so you can fix them.
+How often should I rebalance?
Common choices are quarterly, yearly, or when an asset drifts more than about 5 percentage points. More frequent rebalancing means more fees.
+Can I include stablecoins and fiat?
Yes — add a row with price 1 for USDT, USDC or cash.
+Can I download the template for free without registration?
Yes. The Excel (.xlsx) file is a direct link on this page: no account, no e-mail and no payment. You can also use the online version above and export your own numbers.
Calculations run entirely in your browser; nothing you type is sent to KOT.CASH. Results are estimates for information only and are not financial, tax or legal advice.