Over time, your TSP allocation drifts away from whatever you originally set. Funds that grow faster end up as a bigger share of your balance than you intended, and funds that lag shrink. Rebalancing means moving money back to your target percentages. Enter your current balance in each fund and your target allocation below, and this tool calculates exactly how many dollars to move.
| Fund | Current Balance | Current % | Target % | Target Balance | Amount to Move |
|---|---|---|---|---|---|
| G Fund | $ |
— | — | — | |
| F Fund | $ |
— | — | — | |
| C Fund | $ |
— | — | — | |
| S Fund | $ |
— | — | — | |
| I Fund | $ |
— | — | — | |
| Total | $0 | 100% | 100% | $0 | — |
This calculator runs entirely in your browser. Nothing you enter is saved, transmitted, or seen by ThriftTrading. It's a general educational tool, not investment advice or an allocation recommendation.
Say you start the year at 60% C Fund and 40% G Fund. If the C Fund has a strong year and the G Fund barely moves, by December you might actually be at 68% C Fund and 32% G Fund without having made a single decision. Your risk level quietly increased without you choosing it. Rebalancing brings you back to the mix you actually intended.
There's no single "correct" rebalancing schedule. Some people rebalance on a fixed calendar (once a year is common), others act once an allocation drifts more than a few percentage points from target. Either approach is reasonable. What matters is having a rule and following it, rather than reacting emotionally to short-term moves.