Stop wondering.
Just rebalance.

Portfolio rebalancing is the process of realigning your investment portfolio back to your target asset allocation. Over time, different assets grow at different rates, causing your portfolio to drift from its original targets. Rebalancing involves selling over-allocated assets and buying under-allocated ones to restore your intended balance.

Most investors rebalance quarterly or annually, though some use a threshold-based approach — rebalancing whenever any asset drifts more than 5% from its target. The best approach depends on your strategy: calendar-based is simplest, threshold-based is more responsive, and dynamic rebalancing adapts your targets to market conditions.

Yes! JustRebalance is completely free to use. Create an account, add your positions, set your target allocations, and calculate your rebalancing trades — all at no cost. We believe every investor should have access to professional-grade portfolio management tools.

Dynamic allocation scenarios let you define multiple target allocations (e.g., Defensive, Core, Aggressive) and switch between them based on your market outlook. Combined with fully custom asset classes — which you name, color-code, and organize yourself — this gives you total control over how your portfolio is structured. Especially useful for cycle investors who adjust their exposure as market conditions change.

Invest Cash is a buy-only rebalancing mode. Instead of selling overweight positions to buy underweight ones (like standard rebalancing), it uses your available cash balance to purchase underweight positions proportionally. This is perfect when you receive new capital (e.g., a salary deposit) and want to put it to work without triggering sells on your winners.

JustRebalance works with any portfolio! While it's a great companion for Bob Loukas's Model Portfolio and The Financial Tap members, you can use it to manage any mix of stocks, bonds, ETFs, commodities, crypto, and cash. Simply add your positions and define your own target allocations.