Crypto Portfolio Share Calculator

The share of your savings in crypto decides how much a crypto crash can hurt you.

A fall of 80% in crypto removes 8% of total savings if crypto is 10% of them, and 40% if crypto is half of them.

Choosing a share in advance, and sticking to it, is one of the simplest ways to keep risk under control.

Example: an investor planned to keep crypto at 10% of savings, but after a strong rise crypto is worth €9,000 out of €30,000.

Item (example)	Result
Crypto share now	30%
Crypto value at the 10% target	€3,000
To rebalance	Sell about €6,000

Illustrative example calculated with the crypto portfolio share calculator above.

The rise has tripled the investor's crypto risk without any new purchase, which is how portfolios drift when prices move.

What rebalancing means

Rebalancing is selling part of what has grown and buying what has shrunk, to bring the mix back to your plan.

In practice, it means taking some profit after rises and, if you choose, buying a little after falls.

It is a rule-based decision, made in advance, rather than a reaction to the latest price move.

How often to rebalance

Approach	How it works	Trade-off
Calendar	Check once or twice a year	Simple, but the share can drift between checks
Threshold	Rebalance when the share is, say, 5 points off target	Responds to large moves, needs more attention
New money only	Direct new savings to whatever is below target	No selling, but slow to correct large drifts

Every sale and purchase costs fees and may have tax consequences, so frequent rebalancing has a cost, as the annual cost calculator shows.

There is no correct share for everyone, but a few questions narrow it down.

Could you live with losing 80% of this share without changing your plans?
Is your emergency fund full and your expensive debt repaid?
Will you need this money within the next few years?
How would you react, honestly, to a long fall?

The crypto stress test shows the euro effect of a fall at your chosen share, and the risk tolerance test helps with the last question.

What to count as "other savings"

Count savings and investments you would consider part of the same pot: bank savings, funds and shares.

Leave out your home, your pension and your emergency fund if you treat them as separate, and use the same definition every time you check.

Rebalancing and taxes

Selling crypto to rebalance can create a taxable gain in many countries.

Check how your country taxes crypto before selling, and keep records of each sale, as the guide to selling crypto explains.

Rebalancing with new money only avoids sales, but it corrects drift slowly.

Example: a target of 10% crypto in €20,000 of savings, with crypto prices changing and other savings unchanged.

Crypto price change (example)	Crypto value	New share	To rebalance
+100%	€4,000	18.2%	Sell about €1,800
+50%	€3,000	14.3%	Sell about €900
−50%	€1,000	5.3%	Buy about €900, if you choose

Illustrative; starting from €2,000 crypto and €18,000 other savings.

Rebalancing after a fall means buying more, which only makes sense with money you can afford to lose; some people prefer to rebalance only on the way up.

The share calculation is only as meaningful as the definition of "other savings".

Use the same definition every time, and decide whether to include long-term funds, shares and cash, but not your emergency fund if you treat it as untouchable.

Consistency matters more than the exact definition.

Target

Your chosen share

For example 5% or 10%.

Upper band

When to sell

For example 5 percentage points above target.

Review

When to check

For example every six months.

Writing these three numbers down turns rebalancing into a routine instead of an emotional decision.

Each rebalancing trade costs fees and may have tax consequences, so very frequent rebalancing can cost more than it saves.

The fee calculator shows the cost of a rebalancing trade before you make it.

The same idea applies inside a crypto holding: if one small coin grows to dominate your crypto, your risk has changed even if the total share is on target.

Keeping small, speculative coins to a small part of the crypto share limits the damage if one of them collapses.

Example: savings of €20,000 with a target crypto share of 10%.

Step	Crypto	Other savings	Crypto share
Start	€2,000	€18,000	10%
Crypto doubles	€4,000	€18,000	18.2%
Rebalance: sell €1,800 of crypto	€2,200	€19,800	10%

Example only; fees and taxes on the sale are not included.

If crypto had instead halved to €1,000, the share would be 5.3%, and rebalancing would mean buying about €900 more crypto, which is a decision to think through carefully rather than an automatic step.

Method	How it works	Trade-off
Calendar	Check and rebalance once or twice a year	Simple, but ignores big moves in between
Threshold	Rebalance when the share moves, for example, 5 points from target	Responds to big moves, needs regular checks
New money	Direct new savings to whatever is below target	Avoids selling, but slow with large drift

Your emergency fund, which should stay in cash.
Money set aside for a known expense within a few years.
The value of your home, which you cannot sell to rebalance.
Money borrowed to invest.

Counting only long-term investable savings gives a more honest picture of how much of your wealth is exposed to crypto.

A 10% crypto share in a single small coin carries more risk than the same share split between larger, more established coins.

Some people set a second limit inside crypto, for example no more than a certain share in any one coin.

The calculator works the same way for that: enter the coin's value as the first figure and your total crypto as the second.

What share of crypto is right? There is no universal answer; it depends on your finances, time horizon and how a large fall would affect you, which the crypto stress test helps check.

Should I rebalance after every move? Frequent trades add costs and possibly taxes, so most methods rebalance only occasionally or after large moves.

Does rebalancing guarantee better results? No; it controls risk by keeping the share near your target, and it can mean selling something that keeps rising.

Collect current values: crypto at every provider and wallet, plus your other long-term savings.
Run the calculator: and write down the current crypto share.
Compare with your target: and with the limit you set for drift.
Check your situation: a new job, a child or a home purchase can change the right target.
Decide and record: rebalance, adjust the target, or do nothing, and note why.

A written note helps you see later whether decisions followed the plan or the mood of the market.

Keeping the routine to a fixed date also stops the crypto portfolio share from becoming a daily worry.

If you hold crypto at several providers, a simple spreadsheet with one row per account makes the yearly review much quicker.

Over time, the notes also show how your target crypto share has changed and why.

Use the same date each year for a fair comparison.

Frequently asked questions

What share of my savings should be in crypto?

There is no rule that fits everyone. A practical limit is a share whose total loss, or an 80% fall, would not change your plans.

What does the crypto portfolio share calculator count?

Your crypto holdings as a share of crypto plus other savings, and how much to buy or sell to reach your target share.

Why should I sell crypto after it rises?

Because a rise increases crypto's share of your savings, and with it the damage a later fall could do. Rebalancing keeps the risk at the level you chose.

How often should I rebalance?

Once or twice a year, or when the share drifts a set amount from your target. Rebalancing too often adds fees.

Does the crypto portfolio share calculator include taxes?

No. Selling can have tax consequences depending on your country.

Is my data saved when I use the crypto portfolio share calculator?

No. Everything runs in your browser and nothing is stored or sent.

Written and fact-checked by

CoinTrustRadar.com editorial team

Every figure on this page is checked against the ESMA register, the exchange's own terms and fee pages or another primary source, and the sources are listed above. Editorial policy · How we rate