Asset Allocation Calculator

Asset allocation — how you split a portfolio between growth assets like equity and stability assets like debt — is widely considered more important to long-term returns than which specific funds or stocks you pick. It reflects both your risk capacity (how much you can afford to lose given your timeline) and your risk tolerance (how much volatility you can stomach without panic-selling).

Enter your age, your total portfolio value, and which allocation rule you'd like to use. A common starting rule sets your equity percentage as (100, 110 or 120) minus your age, with the remainder in debt — younger investors get a higher equity share since they have more time to ride out market downturns, and the allocation gradually shifts toward debt as retirement approaches.

Equity % = Rule − Age