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Private portfolio math. No login, no account linking, your data never leaves your browser.

Where should this month's contribution go?

A drift calculator for index investors. Put in your accounts, your target allocation, and how much you're adding this month. It shows you where you're off target and how far the new money goes toward fixing it. The math is the tool's job. The decisions are yours. Think of it as the spreadsheet you'd have built if you were better at spreadsheets.

This is an educational tool for portfolio math, not investment, tax, or legal advice. Nothing here is a recommendation to buy or sell anything.
1

Your accounts

Add each account and the funds you hold (or could buy) in it.
2

Target allocation

Pick a starting framework, then make it yours.
Stocks / bonds, your risk dial Aggressive
More bonds More stocks 90 / 10
International share of stocks 38%
All US More intl 62 / 38
Small-cap value tilt
Small-cap value tilt None
Market only More SCV 0%
Current vs. target (the tick marks are your targets)
3

Contribute or rebalance

Route new money, or check the drift without touching anything.
Gaps to your target (after this contribution)
One way to close the gaps
This is arithmetic, not advice. It's one efficient way to move toward the targets you set, using only the funds you listed. A different split might suit your taxes or preferences better.
+

Planning tools

The side math that answers the forum's most common questions.
What your funds cost (fee drag)
From paycheck to portfolio
What 1% really costs (advisor AUM fees)
The cost of waiting
Contribution room, (how much you can still put in this year)