Optimize Your Entire Portfolio
Across Every Account

Fidelity, Vanguard, Schwab, ETrade, Roth, Traditional, Taxable. Get exact buy/sell recommendations across all accounts, plus tax-aware asset location, Monte Carlo projections, and risk analysis in one report.

📄 View Sample Report Generate Your Own Report
🛡️ 100% safe  ·  Upload your portfolio file, we return your report, nothing is stored.

Two Report Types

Start with a Rebalance Report to get your trades done. Add report_type: full for a deeper analysis with net worth, risk scoring, and performance.

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Rebalance Report
Default — minimal required fields
  • Trade PlanExact buy/sell amounts per account with a multi-session plan: sells first, buys on Day 3.
  • Asset LocationBonds in Traditional IRA, growth ETFs in Roth, broad equity in taxable, enforced automatically.
  • Tax ImpactSTCG/LTCG cost on every recommended trade, calculated at your actual tax bracket.
  • Overlap & ConcentrationDetects ETF overlap and dangerous over-exposure to single tickers or sectors.
  • Before / After SnapshotPosition-by-position comparison of every holding pre- and post-rebalance.
  • Engine PhilosophyAsset location rules, rebalancing mechanics, and FAQ included in every report.
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Full Report
Requires dob_year + annual_income
  • Everything in RebalanceFull trade plan, asset location, tax analysis, overlap, and concentration.
  • Net WorthInvestment accounts + real estate + other assets (CDs, 529s) in one view.
  • Risk Deep DiveAge-, income-, and horizon-aware risk capacity score matched to your current allocation.
  • 5-Year PerformanceYour portfolio benchmarked against SPY and your own target allocation.
  • Monte Carlo Simulation1,000 simulated paths to retirement — best-case, median, and worst-case probability bands.
  • Compound Growth Projections5- and 10-year growth curves benchmarked against your target allocation.

Inside the Report

Real output from the engine — every table, chart, and recommendation explained in plain English.

Concrete buy & sell suggestions per account
Action plan showing exact buy amounts per account
Clear Action Plan
Exact buy and sell amounts broken down by account, no ambiguity about what to execute where.
Swap suggestions for better placement
Trade detail table with tax category and plain-English reasoning
Per-Trade Tax & Reasoning
Each trade shows its tax category (STCG, LTCG, or free) and a plain-English explanation of why the engine chose it.
Asset weight analysis
Individual asset weights showing overweight and underweight positions
Individual Asset Weight Tracking
Every ticker mapped to its target (overweight, underweight, or in-line), with the drift in percentage points.
Performance of your asset mix: source vs. target
Portfolio performance index benchmarked against target and S&P 500
Personalized Portfolio Index
Your actual blend vs. your target vs. the S&P 500, showing how your allocation has tracked historically.

See It Before You Generate

Download a fully-generated sample Rebalance Report: trade recommendations, tax impact, asset placement analysis, expense ratio, overlap, concentration, and engine philosophy.

📄 View Sample Report
Rebalance Report generated from a sample portfolio. No real data included.

Generate Report for Your Portfolio

Upload your portfolio file, processed on-server and never stored. No personal data needed.

📂
Upload Portfolio File
Format: YAML
Reading portfolio file…
0% Usually 15–25 seconds

Sample Portfolio File

New to Rebalancly? Download the sample file, edit the values to match your holdings, and upload to generate your report.

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Sample Full Portfolio: Taxable, Roth IRA, Traditional IRA, Rollovers + Real Estate
Six accounts across tax types with real estate, other assets, and a 90/10 equity-to-bond target. report_type: full — includes performance analytics, Monte Carlo simulation, risk capacity, and tax-drag analysis. Replace the values with your own holdings to get started.
Full ReportTaxableRoth IRA Traditional IRARolloverReal Estate90/10
📄 View Sample YAML

Need help? See the User Guide for a full field reference and advanced options.