🎯 Target Allocation
US Total Market
54%
FSKAX
International Total Market
36%
FTIHX
US Bonds
10%
FXNAX
⚙️ Tax Settings
Federal only - not tax advice. Numbers may change.
ⓘ
Portfolio-wide is simpler and avoids unnecessary trades. Use account-level if you want each account perfectly balanced.
📁 Import Portfolio Data
Upload your Fidelity account statement (PDF or CSV)
Go to: All Accounts > 3 dots > Download / Print
Or manually enter your holdings:
📊 Current Holdings
📈 Portfolio Summary
⚠️ Assumptions & Disclaimers
Federal only - not tax advice. Numbers may change.
This calculator uses 2026 IRS limits and assumes a 54/36/10 target allocation.
Taxable sells setting: Off (cash only)
State taxes, NIIT (3.8%), wash sale rules, and individual circumstances are not considered.
Consult a tax professional for personalized advice.
This calculator uses 2026 IRS limits and assumes a 54/36/10 target allocation.
Taxable sells setting: Off (cash only)
State taxes, NIIT (3.8%), wash sale rules, and individual circumstances are not considered.
Consult a tax professional for personalized advice.
Total Portfolio Value
$0
Number of Accounts
0
Cash Available
$0
Rebalancing Needed
$0
📊 Contribution Limits Tracker (Optional)
💰 Cash to Invest
$
📚 Sources & References (show)
Current vs Target Allocation
🔄 Recommended Trades
📋 Do these in order, per account:
1. SELL leftovers
2. EXCHANGE within account
3. BUY with cash
Why this order?
Buys consume cash; sells produce it. Doing sells/exchanges first means your cash balance is correct before you place the buy orders. At Fidelity, same-day mutual-fund trades all settle at the 4pm ET NAV, but entering them in this order avoids "insufficient settled cash" rejections.