Asset Allocation Calculator
Free asset allocation calculator.
Loading tool...
What is Asset Allocation Calculator?
The Asset Allocation Calculator is a free in-browser tool that helps you build a diversified investment portfolio. Choose an age-based rule (Rule of 110) or a risk profile (conservative, moderate, aggressive) to get an instant stock, bond, and cash split with exact dollar amounts for each class. Add an annual contribution and project portfolio growth over up to 50 years using long-term historical average returns - all computed locally with no sign-up and no data leaving your device.
Key Benefits
- Get a tailored stock/bond/cash split based on your age or risk tolerance
- See exact dollar amounts for each asset class from your portfolio value
- Understand your blended expected return using historical market averages
- Project portfolio growth with annual contributions over up to 50 years
- Works fully offline - no account, no API, data never leaves your browser
Common Use Cases
- •New investors deciding their first portfolio mix
- •Pre-retirees adjusting allocation as they approach retirement age
- •Financial planners illustrating risk-based allocation strategies to clients
- •Bloggers and educators explaining diversification with real dollar examples
- •Anyone rebalancing a portfolio who needs a quick stock/bond/cash breakdown
How to Use the Asset Allocation Calculator
- Enter your portfolio value: Type the total dollar amount you want to allocate across asset classes.
- Choose an allocation method: Select age-based (Rule of 110) or a risk profile: conservative, moderate, or aggressive.
- Set contribution and years: Optionally add an annual contribution and choose how many years to project (1-50).
- Review your allocation and projection: See your stock/bond/cash split with dollar amounts, blended return, and a year-by-year projection table.
Key Features
- Age-based allocation using the Rule of 110 (110 minus your age in stocks)
- Three risk-based profiles: conservative, moderate, and aggressive
- Dollar breakdown of each asset class with a visual allocation bar
- Multi-year portfolio projection with annual contributions and blended returns
- Historical average returns: stocks 8.5%, bonds 4.2%, cash 1.8%
- Copy or download a formatted allocation and projection report - 100% offline
Frequently Asked Questions
What is the Rule of 110?
The Rule of 110 is a simple guideline: subtract your age from 110 to get the percentage of your portfolio that should be in stocks, with the remainder split between bonds and cash. For example, a 35-year-old would hold 75% stocks.
What do conservative, moderate, and aggressive mean?
Conservative targets 40% stocks / 45% bonds / 15% cash for lower volatility. Moderate uses 65% stocks / 30% bonds / 5% cash for balanced growth. Aggressive uses 85% stocks / 12% bonds / 3% cash for maximum growth potential.
What expected returns are used in the projection?
The calculator uses long-term historical averages: stocks 8.5% (S&P 500), bonds 4.2% (aggregate bond index), and cash 1.8% (money market / T-bills). Past performance does not guarantee future results.
Is this financial advice?
No. This is an educational planning tool for estimating portfolio allocation and growth. Actual returns vary and involve risk. Consult a licensed financial advisor before making investment decisions.