Institutional-Grade Investing,
Simplified for Everyone.

Balanced brings sophisticated portfolio management strategies usually reserved for high-net-worth clients to everyday investors—for free, and without compromising your privacy.

The Philosophy

Most free portfolio trackers are just that—trackers. They show you what you have, but not what to do with it. Balanced is different. It's an active management tool designed to help you maintain your target asset allocation while minimizing taxes and transaction costs.

Our methodology is inspired by the principles of the Bogleheads community, modern portfolio theory, and research on tax-efficient investing. We believe in low-cost index funds, broad diversification, and disciplined rebalancing.

Tax-Efficient Asset Location

Asset allocation is deciding what to buy. Asset location is deciding where to put it. Balanced offers three distinct strategies to optimize your after-tax returns:

Standard Efficiency

Prioritizes placing bonds in tax-deferred accounts (to shield ordinary income) and stocks in taxable accounts (for lower capital gains rates).

Roth Growth

Aggressively places your highest-growth assets (stocks) into Roth accounts to maximize tax-free growth over decades.

Mirrored

Replicates your target allocation equally in every account. Best for simplicity and if you want each account to stand alone.

Smart Rebalancing Modes

Every investor is different. Some want to track their target perfectly, while others want to minimize trading. Balanced supports three rebalancing philosophies:

1

Drift Bands (5/25 Rule)

Only rebalance when an asset drifts by 5% absolute or 25% relative. Reduces unnecessary trading and taxes while keeping risk in check.

2

Strict / Calendar

Rebalance immediately on any deviation. Ideal for tax-advantaged accounts where trading costs are zero.

3

Inflow Only

Never sell. Only use new cash deposits to buy underweight assets. The most tax-efficient method for taxable accounts.

Privacy First Design

In an era where financial data is routinely harvested and sold, Balanced takes a radical approach: Local-First Architecture.

Your financial data never leaves your device. It is stored in your browser's local storage. We have no servers, no database, and no way to see your portfolio. This means:

  • No account creation required
  • No data breaches possible
  • No tracking or analytics
  • Works offline