Asset Allocation CalculatorAllocation calculator
Get your allocation
Everything below runs in your browser — nothing is sent anywhere or stored. Answer the questions below, then click Calculate to see your results.
Your plan type
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How your mix changes over time
Today, more of your money leans toward growth. As your goal gets closer, it gradually shifts toward steadier, more stable options — so a sudden drop right before you need the money hurts less.
Rebalancing check
Keep this
This tool is for general education only and does not constitute financial, investment, tax, or legal advice, and does not recommend any specific security, fund, or product. Consult a licensed professional before making investment decisions.
Risk profiles at a glance
Conservative
Equities 20%
Bonds & fixed income 55%
Moderately conservative
Equities 35%
Bonds & fixed income 45%
Balanced
Equities 55%
Bonds & fixed income 30%
Growth-oriented
Equities 70%
Bonds & fixed income 18%
Aggressive
Equities 85%
Bonds & fixed income 5%
How to read your allocation results
Your result is a percentage split across five asset classes — equities, bonds, real estate, gold, and cash — plus a risk profile from conservative to aggressive and a chart of how the mix should shift as your goal date approaches. If you enter a lump sum or monthly amount, the calculator also converts each percentage into an amount in your currency.
The most important input is years until you need the money, not your age: a longer horizon can absorb more short-term volatility. Your reaction to a 20% drop, experience, and income stability adjust the result from there. Full details are on the methodology page.
Learn how allocation works
- What Is Asset Allocation? A Plain-English GuideThe five asset classes, why the mix matters more than picking winners, and how to choose yours.
- Asset Allocation by Age: Stock & Bond Mix for Your 20s Through 70sTypical stock/bond ranges for every decade, plus a glide path table computed from our own model.
- Rule of 100, 110 and 120: How Much Should You Hold in Stocks?A live calculator for the age-based rules of thumb, and an honest look at their limits.
- The 60/40 Portfolio Explained: History, Pros, Cons & AlternativesWhy 60/40 became the default, what 2022 taught us, and when a different mix fits better.