Asset Allocation Calculator
See how much money goes into each part of your portfolio
Enter your money and how you want it split
Free · No sign-up · Updates as you typeDeciding what share of your money goes to shares, bonds and cash matters far more than picking any single investment. Set the share you want for each part and this turns the percentages into real amounts, then checks that nothing is left over and nothing is counted twice.
$
Everything you want to divide, e.g. 100,000.
Name each part and give it a share
One line per type of investment. The shares should add up to 100%, and the tool tells you straight away if they do not.
Type your age and the rule sketches a simple two-line split of shares and bonds that you can then edit. Treat it as a first draft to argue with, never as a recommendation: two people the same age can sensibly hold very different mixes.
Used for this rule of thumb only, nothing else.
The biggest slice of your $100,000 goes to Shares
$60,000
60% of the money you are splitting
Every line is just a slice of the same pot:60% of $100,000 is $60,000 in Shares.30% of $100,000 is $30,000 in Bonds.5% of $100,000 is $5,000 in Cash.5% of $100,000 is $5,000 in Property and other.They add up to 100%, so the whole pot is accounted for.
| Type of investment | Share you set | How much money |
|---|---|---|
Shares | 60% | $60,000 |
Bonds | 30% | $30,000 |
Cash | 5% | $5,000 |
Property and other | 5% | $5,000 |
| Total | 100% | $100,000 |
What the age rule of thumb would say at other ages
One old habit is to put about (110 minus your age) percent into shares and the rest into bonds. Here is what that would mean for your $100,000, at a few ages. It is a starting point for a conversation, not advice, and it knows nothing about your job, your debts or how you sleep in a bad year.
| Age | In shares | In bonds | Money in shares |
|---|---|---|---|
| 25 | 85% | 15% | $85,000 |
| 35 | 75% | 25% | $75,000 |
| 40 (yours) | 70% | 30% | $70,000 |
| 45 | 65% | 35% | $65,000 |
| 55 | 55% | 45% | $55,000 |
| 65 | 45% | 55% | $45,000 |
Insight: Markets will not leave these shares alone. A good run in one line quietly grows it past the share you chose, which raises how much you stand to lose in the next bad year. Checking the real split once or twice a year, and topping up whatever has fallen behind, is what keeps the plan the one you actually signed up for.
Asset allocation is the mix of asset classes, such as stocks, bonds, cash, and alternatives, that makes up your portfolio. It is widely regarded as one of the most important decisions an investor makes, because the overall mix drives both expected return and risk far more than the choice of any single holding.
Amount = Total × (Share % / 100)
Step 1: Pick your currency and type in all the money you are dividing up.
Step 2: Name each type of investment and give it a share of the total. Add or delete lines until the list looks like your plan.
Step 3: Watch the amounts and the bar update as you type. If the shares do not come to 100%, the warning tells you by how much and can stretch them for you.
Step 4: If you have no starting point at all, type your age and let the rule of thumb sketch a first draft, then edit it until it is yours.
What Is Asset Allocation?
Asset allocation is how you divide your portfolio among broad asset classes, typically stocks, bonds, cash, and alternatives such as real estate or commodities. Each class behaves differently: stocks offer higher long-term growth potential but larger swings, bonds add income and tend to be steadier, and cash provides safety and liquidity at the cost of growth. The blend you choose is the single biggest lever you have over your portfolio's risk and return profile.
This calculator does not tell you what mix to hold. Instead, it takes the target weights you decide on and converts them into precise amounts in your own currency, so you can see exactly how much to place in each asset class and whether your percentages add up to a complete plan.
Diversification and Why the Mix Matters
Diversification is the practice of spreading money across investments that do not all move together. Because asset classes respond differently to the economy and interest rates, holding a mix can smooth out the ride: when one part of the portfolio falls, another may hold steady or rise. Diversification does not guarantee a profit or protect against loss, but it can reduce the chance that a single bad outcome derails your whole plan.
A well-considered allocation reflects your goals, your time horizon, and how much volatility you can tolerate without abandoning the plan. The right mix for a 25-year-old saving for retirement is rarely the right mix for someone who needs to draw on the money within a few years.
Simplicity helps more than most people expect. A plan built from a handful of broad, cheap funds is easier to hold on to than a long list of overlapping positions, and it makes the one decision that matters, the mix itself, obvious rather than buried. Our guide to the three-fund portfolio walks through one well-worn version of that idea and how to adapt it if you do not invest from the United States.
The Age-Based Rule of Thumb
A long-standing rule of thumb suggests holding roughly (110 minus your age) percent of your portfolio in stocks, with the rest in bonds. By this heuristic a 30-year-old would hold about 80% stocks, while a 60-year-old would hold about 50%. The logic is that younger investors have more time to recover from downturns, so they can carry more equity risk, and should reduce that risk as their time horizon shortens. Some versions use 100 for a more conservative tilt, or 120 for a more aggressive one.
It is essential to treat this only as a starting point. It is a heuristic, not financial advice. It ignores your income stability, other assets, debts, pension or Social Security entitlements, and your personal comfort with risk. Two people the same age can sensibly hold very different allocations. Use the rule to spark a conversation, then tailor your real plan to your own circumstances, and consider speaking with a qualified financial professional.
Rebalancing and Risk Tolerance
Over time, markets push your portfolio away from its target weights. A strong run in stocks can leave you holding far more equity, and far more risk, than you intended. Rebalancing restores your target mix by trimming what has grown and adding to what has lagged. Many investors rebalance on a schedule (once or twice a year) or when a class drifts beyond a set threshold, such as five percentage points from target.
Risk tolerance is the amount of volatility you can live with without panic-selling at the wrong time. It is shaped by both your financial capacity to absorb losses and your emotional comfort with them. An allocation that looks fine on a spreadsheet is only useful if you can actually stick with it through a downturn, so an honest assessment of your own risk tolerance should guide the weights you enter above.
Once you know the target amount for each asset class, a dedicated portfolio rebalancing calculator shows the exact trades needed to bring a drifted portfolio back to plan. And if you are evaluating the financial health of individual holdings before adding them, a current ratio calculator helps you gauge a company's short-term liquidity.
Frequently Asked Questions About Asset Allocation
There is no single best asset allocation, it depends on your time horizon, risk tolerance, and goals. A common starting framework holds a larger share of stocks for long-term growth, bonds for stability and income, and cash for liquidity, with alternatives such as real estate or commodities adding diversification. Younger investors with decades until they need the money often hold more stocks, while those near or in retirement typically shift toward bonds and cash. This calculator does not recommend an allocation; it simply turns whatever target weights you choose into real amounts, in your own currency.
For a complete plan, yes. If your shares add up to less than 100%, part of your money has no job yet and is sitting in whatever you last left it in. If they add up to more than 100%, the plan is asking for money you do not have. The calculator tells you which of the two is happening and by how much, and the scale button stretches your figures to exactly 100% while keeping the same proportions between them.
The 110-minus-age rule is a popular rule of thumb that suggests holding roughly (110 minus your age) percent of your portfolio in stocks, with the remainder in bonds. For example, a 40-year-old would hold about 70% stocks and 30% bonds. It is only a heuristic, a quick conversation starter, not financial advice. Your real allocation should reflect your own risk tolerance, income stability, other assets, and goals. Variants use 100 or 120 instead of 110 to be more conservative or aggressive.
Many investors rebalance once or twice a year, or when an asset class drifts more than about 5 percentage points from its target weight. Rebalancing sells what has grown and buys what has lagged, keeping your risk level aligned with your plan. The right frequency depends on your costs, taxes, and how far your portfolio has drifted. Use a dedicated rebalancing calculator to see exactly which trades restore your target weights.
Track Your Allocation Across Every Account
Setting target weights is the first step. With Worthmap, you can track your real-time net worth, see your actual asset mix across currencies and accounts, and spot when your portfolio drifts out of balance.
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