Portfolio rebalancing, done the advisor way
YRebal compares your accounts to target models, flags drift outside your tolerance bands, and proposes tax-aware trades across taxable and retirement accounts. Try it on a sample household at real closing prices.
Built for every account type
Features
Built after Schwab's iRebal: from target models to an order blotter, every step from drift to filled orders.
▦Models
Build models from sleeves with their own weights, a cash line and benchmarks. Upload every model from one Excel sheet and review each change before it's saved.
↺Rebalancing
Invest Cash, Generate Cash, Full Rebalance, Manual Adjustment and Tax-Loss Harvesting, for one portfolio or a named group of portfolios at once.
%Taxes
Sells the lowest-tax lots first, uses IRAs before realizing taxable gains, holds back short-term gains, and respects your capital-gain limits. Every gain is marked long-term, short-term or mixed.
⇵Asset location
Tell YRebal where each security belongs, such as bonds in the IRA and broad equity in taxable, and buys land in the right account type first.
☰Orders
Approved orders wait on an order blotter until you submit them. See each order's size against the security's real average daily volume before you trade.
◕Reporting
Activity summary, allocations, allocation vs target with drift, time-weighted performance against blended benchmarks, and every transaction. Every table exports to Excel.
Before you trade
Every proposed trade shows its effect before anything happens: cash, allocations and taxes, before and after your edits.
| Asset class | Current | Target | Diff. |
|---|---|---|---|
| Equity | 81.6% | 80.0% | ▲ 1.6% |
| Fixed income | 9.4% | 15.0% | ▼ -5.6% |
| Commodity | 4.4% | 4.5% | ▼ -0.1% |
| Cash | 4.6% | 0.5% | ▲ 4.1% |
How it works
Build models and group accounts into portfolios. Set tolerance bands, cash targets and tax preferences once.
YRebal reads positions, tax lots and prices, then proposes orders that bring each portfolio back within its bands.
Check the before and after and edit any order. Approve it to the order blotter, then submit when you're ready.
Free demo
Sign up and you'll go straight into a working copy of YRebal with a sample household: a growth portfolio (taxable and Roth IRA) and an income portfolio (Traditional IRA), three models and over a year of history. Run a rebalance, submit the orders, and watch the reports update.