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About this tool
See how far your portfolio has drifted and get the exact buys and sells — or rebalance with fresh money and no tax.
The Portfolio Drift Rebalancer compares each holding's current weight against its target, reports the drift in percentage points against a ±5 point band, and produces the exact buy and sell amounts to bring the portfolio back to plan. A second mode allocates only fresh money — filling the underweight assets first, selling nothing — and tells you how much new money it would take to fix the drift without a single redemption. It is aimed at Indian investors weighing a rebalance against the capital gains it would trigger. It is informational, not tax or investment advice.
Open Portfolio Drift Rebalancer on AltFTool — it loads instantly in your browser.
Fill each row of Your holdings with Asset, Class, Current value and Target %, using Add asset for more rows and Scale to 100 if the targets do not add to 100%.
Pick Sell and buy for exact targets today, or Fresh money only and enter a figure in New money to invest; the Exactly enough chip fills in the sum that closes the drift with nothing sold.
Read the Drift column in pp against the 5-point band, work down Your action plan for the Asset, Action and Amount of every trade, then press Copy plan.
A full rebalance shows the total you would have to sell — the part that creates a tax event — beside a fresh-money plan that sells nothing.
New money is levelled into the underweight holdings first rather than split by target weight, which is what actually closes the gap fastest.
If your contribution cannot reach the target weights on its own, the calculator states the amount that would, so you know when selling is unavoidable.
A common rule is a band of about 5 percentage points around each target, which is the band this calculator flags against. Inside the band the cost and tax of trading usually outweigh the benefit; a drift beyond it is what most written policies treat as the trigger.
Often yes, by directing new contributions into the underweight assets instead of selling the overweight ones. The fresh-money mode calculates exactly that split; it works when the gap is small relative to what you are adding, and the tool tells you the amount required when it is not.
For listed equity held over 12 months, long-term gains are taxed at 12.5% on the amount above ₹1.25 lakh in a financial year; sold within 12 months, short-term gains are taxed at 20%. Only the gain is taxed, not the full redemption. Rates change — confirm the current position with a tax professional before you act.
Not for units bought on or after 1 April 2023 — those are taxed at your slab rate regardless of holding period, so waiting no longer improves the treatment. Gold funds and ETFs are different again, with long-term treatment after 24 months.
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