Crypto Rebalancing Calculator

Enter what you hold and the weights you want, and this calculator shows how far each coin has drifted and the exact dollar amounts to buy or sell to get back on target. Use a threshold band to skip small drifts, or buy-only mode to rebalance with new cash instead of selling.

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1. Holdings and targets

Start from an example mix (fills the target column; these are illustrations, not advice):

Your holdings and target weights
AssetEnter asCurrent value (USD)Target %Remove

Targets add up to 100.0%

2. Rules

Mode

3. Result

Enter the current value of at least one holding (or new cash) to see drift and trades. Or click “Load worked example”.

Saved in this browser only

Your inputs are stored in this browser (localStorage) and never sent to us. Email drift alerts need an account — coming soon. Until then, bookmark this page and re-check on your schedule.

Calendar vs threshold rebalancing

Calendar rebalancing means you trade back to target on a fixed date: every month, quarter or year, whatever the market did. It is easy to stick to and easy to automate as a reminder, but it can trade when drift is tiny (paying fees for nothing) and ignore big swings between dates.

Threshold (band) rebalancing means you only trade when an asset moves outside a band around its target, such as ±5 percentage points. It reacts to large moves and stays quiet otherwise. Crypto is volatile, so a band that is too tight can trigger trades very often; wider bands trade less. Many investors check on a calendar and trade only if the band is breached — that is what the result box above tells you.

Worked example

A hypothetical $10,000 portfolio targets 50% BTC, 25% ETH and 25% USDC. After a Bitcoin rally it holds BTC $6,500, ETH $2,300 and USDC $2,200 — $11,000 in total. The weights are now 59.1% / 20.9% / 20.0%, so BTC is 9.1 points over target and outside a ±5 point band.

  • Full rebalance: targets are $5,500 / $2,750 / $2,750, so sell $1,000 of BTC, buy $450 of ETH and buy $550 of USDC.
  • Buy-only with $1,000 of new cash: the new total is $12,000. ETH is $700 below its $3,000 target and USDC $800 below, so the cash is split in that 7:8 ratio — about $467 to ETH and $533 to USDC. Nothing is sold, and every asset ends inside the band (54.2% / 23.1% / 22.8%).

Click “Load worked example” above to see the same numbers in the calculator.

Costs and taxes

Every trade costs something: exchange fees, the spread between buy and sell prices, and sometimes network fees to move coins. A minimum trade size stops you paying those costs on tiny adjustments.

Selling, or swapping one coin for another, may create a taxable gain. In the US the IRS treats crypto as property, so each sale is generally a disposal. Buy-only rebalancing with new money avoids selling. Rules vary by country and personal situation; this is general information, not tax advice.

Related: portfolio rebalancing guide · crypto tax basics · DCA planner · tax calculator

Frequently asked questions

What is crypto portfolio rebalancing?

Rebalancing means trading your holdings back to the target weights you chose, for example 50% BTC, 25% ETH and 25% stablecoins. When one coin rallies it becomes a bigger share of the portfolio than you planned; rebalancing trims it and tops up the laggards so your risk stays where you set it.

How often should I rebalance crypto?

There is no single right answer. Calendar rebalancing (monthly, quarterly or yearly) is simple and predictable. Threshold rebalancing only trades when an asset drifts outside a band such as ±5 percentage points, which usually means fewer trades in quiet markets and more in volatile ones. Many people combine them: check on a schedule, trade only if the band is breached.

What does a ±5% band mean?

In this calculator the band is in percentage points of the whole portfolio. With a 50% target and a 5-point band, nothing happens between 45% and 55%; below 45% or above 55% the asset is flagged as outside the band.

Is rebalancing crypto a taxable event?

Often, yes. In the US the IRS treats crypto as property, so selling a coin or swapping it for another coin is generally a disposal that can create a capital gain or loss. Adding new money to underweight assets (buy-only mode) does not sell anything. Rules differ by country and situation, so check with a tax professional; this page is not tax advice.

What happens to coins I hold but did not give a target?

They are treated as a 0% target. The calculator shows them as fully overweight and, in full mode, suggests selling them. Give them a target if you meant to keep them.

Can this page send me drift alerts by email?

Not yet. Email drift alerts need an account, and accounts are coming soon. For now the calculator saves your inputs in this browser so you can come back and re-check with fresh values.