Last updated: April 2026
Rebalancing may be taxable
Selling or swapping crypto can be a disposal for UK Capital Gains Tax. Buy-only rebalancing avoids selling, but a full rebalance may trigger CGT on overweight assets with unrealised gains.
45%
25%
15%
15%
Total portfolio
£10,000
Assets
4
Largest holding
BTC (45%)
| Asset | Current | Target | Action | Amount | CGT |
|---|---|---|---|---|---|
| BTC | 45% | 40% | SELL | £500.00 | £0.00 |
| ETH | 25% | 30% | BUY | £500.00 | £0.00 |
| SOL | 15% | 20% | BUY | £500.00 | £0.00 |
| USDC | 15% | 10% | SELL | £500.00 | £0.00 |
Buy-only rebalancing can reduce trading and avoid disposal-triggered CGT where you are adding new cash.
Over time, assets that perform well can become a larger share of your portfolio than intended. Rebalancing brings allocations back to your target, helping you maintain your chosen risk level.
Common approaches include quarterly, annually, or when an asset drifts more than 5% from target. Crypto rebalancing can trigger fees and CGT, so many investors rebalance less often and use new contributions where possible.
The most tax-efficient approach is to use new cash contributions to buy underweight assets without selling. You can also use realised losses to offset gains or defer sales to a later tax year where that fits your broader plan.
This calculator is designed to help you understand the likely number before you make a decision or start an application.
Your result should be checked against official UK guidance, especially if your circumstances include dependants, exemptions, prior leave, or a complex immigration history.
Treat the figure as a planning tool rather than legal advice. Where the answer affects an application deadline or major payment, speak to an authorised adviser.
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