RetireCrunchRebalancer

Portfolio Rebalancer

Set a goal for each asset class and get the exact buy and sell trades to reach it, in any currency.

How your data is handled

Your holdings, quantities and cash stay in your browser; only ticker symbols and currency codes are sent, and only when you ask for live prices. The optional Interactive Brokers import is the one exception — see the FAQ.

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How the rebalancer works

Set a goal for each asset class, cash included, and the tool works out the exact buy and sell trades to reach it. Each class's goal is split across its holdings in proportion to what you own, unless you lock a position or give it a target of its own. Everything runs in your browser; your portfolio stays on your device unless you use the optional Interactive Brokers import, which passes it through without keeping it. Live prices and exchange rates are fetched by ticker symbol only, and every value stays editable.

  1. Import your holdings: fill in the CSV template (symbol, quantity, cost basis, currency) and upload it, or load the sample portfolio to explore.
  2. Pick your base currency, check the cash you hold in each currency, and fetch live prices or type them in.
  3. Set a goal for each asset class in Your target mix. Lock any position you don't want traded, and add new tickers by typing them at the end of a class.
  4. Read the trades to place (sells first, then buys, with any currency conversion you'll need), then mark them as done to update your holdings.

Frequently asked questions

Is my portfolio data sent anywhere?
Not unless you choose to. Your holdings, quantities and cost basis stay in your browser and are saved only in your browser's local storage. When you fetch live prices, only the ticker symbol and currency codes are sent to our server to look up a quote — never your portfolio. The optional Interactive Brokers import (beta) is the exception, and it keeps nothing: a Flex statement file is read in your browser and never uploaded; a Flex token is sent once to our server, used for that one request to IBKR and discarded; a link from your AI assistant carries your positions encrypted with a key that exists only in the link — our server holds the encrypted copy for at most 15 minutes and deletes it when the link is opened.
Where do the prices and exchange rates come from?
Live prices and FX rates are fetched from public market data by ticker symbol. They're best-effort and may be delayed. Every price and rate stays editable, so you can override anything or work fully offline by typing values in.
How are the trades calculated?
Set a goal for each asset class, a percentage of your whole portfolio with cash included. Each class's goal is split across its unlocked holdings in proportion to their value, or a holding keeps a custom target you give it. Everything is valued in your base currency, and the difference between current and target becomes a buy or a sell in whole units. Choose Buy only to invest spare cash or new money without selling, or set a tolerance band so small drifts aren't traded. The cash movements are netted per currency, so you can see when buying a foreign holding would overdraw that currency's cash, and how much to convert.
What is the risk allocation view?
Each holding is tagged Low, Medium or High risk — pre-filled from a keyword guess and fully editable. The risk view shows how much of your portfolio sits in each band today versus your target, alongside the asset-class and currency breakdowns.
A price didn't update — what symbol format do you expect?
US-listed instruments use the bare ticker (VOO, GLD). Everything else needs the exchange suffix: .SW for SIX Swiss (NESN.SW), .HK for Hong Kong (0700.HK), .DE for Xetra, .L for London, .PA for Paris, .AS for Amsterdam, .MI for Milan, .TO for Toronto, .T for Tokyo. Better still, fill the ISIN column in the CSV template — an ISIN identifies exactly one instrument, so it can't match the wrong exchange's listing. Any row whose price didn't update is labelled on the row itself (not found / wrong currency / implausible move), and the price you entered is kept.

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RETIRECRUNCH · INDEPENDENT · © 2026NOT FINANCIAL ADVICE

This calculator is provided for informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice. The projections shown are based on hypothetical scenarios and simplified assumptions — actual results will vary depending on market conditions, personal circumstances, and many other factors. You should consult a qualified financial adviser before making any financial decisions. The creators of this tool accept no liability for actions taken based on its output.

All code checked by SonarQube Cloud www.sonarsource.com

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