# Asset Allocation Calculator

> A free, independent asset allocation calculator and guide library. It turns a person's goal, time horizon and risk tolerance into a percentage split across five asset classes (equities, bonds, real estate, gold, cash), in 29 countries and currencies. It never recommends specific securities, funds, brokers or products, requires no sign-up, and runs entirely in the browser. Educational only — not financial, investment, tax or legal advice.

## Tool

- [Asset allocation calculator](https://assetallocationcalc.com/calculator/): the interactive calculator — risk profile, allocation by asset class, glide path over time, and a rebalancing/drift check.
- [Methodology](https://assetallocationcalc.com/methodology/): exactly how the risk score, the five base allocations, the glide path and the 5-point rebalancing rule work.
- [FAQ](https://assetallocationcalc.com/faq/): answers on age-based allocation, 401(k) and retirement use, Excel alternatives, and use outside the US.

## Guides (English)

- [What is asset allocation?](https://assetallocationcalc.com/guides/what-is-asset-allocation/): definition, the five asset classes, what determines your mix, example allocations.
- [Asset allocation by age](https://assetallocationcalc.com/guides/asset-allocation-by-age/): typical stock/bond ranges by decade and a computed glide-path table.
- [Rule of 100, 110 and 120](https://assetallocationcalc.com/guides/rule-of-110/): the age-based stock-allocation rules, with a live calculator and their limits.
- [The 60/40 portfolio explained](https://assetallocationcalc.com/guides/60-40-portfolio/): history, pros and cons, 2022, alternatives.
- [401(k) asset allocation](https://assetallocationcalc.com/guides/401k-asset-allocation/): target-date funds vs DIY, sample splits by years to retirement.
- [How to rebalance a portfolio](https://assetallocationcalc.com/guides/how-to-rebalance-portfolio/): calendar vs threshold rebalancing, the 5% rule, a worked example.
- [Asset allocation in India](https://assetallocationcalc.com/guides/asset-allocation-india/): equity, debt and gold by age; where EPF, PPF and NPS fit.

## Languages

The calculator, home page and FAQ are also available in Spanish (/es/), Japanese (/ja/), French (/fr/), German (/de/), Portuguese (/pt/), Korean (/ko/), Italian (/it/) and Chinese (/zh/).

## About

- [About](https://assetallocationcalc.com/about/) · [Contact](https://assetallocationcalc.com/contact/) · [Disclaimer](https://assetallocationcalc.com/disclaimer/) · [Privacy](https://assetallocationcalc.com/privacy/)