Portfolio Allocation Calculator
Split a portfolio into target dollar amounts across stocks, bonds, cash and other from percentages that sum to 100%.
How it works
Amount for each asset = total portfolio × target percentage. Targets must sum to about 100%.
Asset allocation decides how your money is divided among broad categories — stocks for growth, bonds for stability, cash for safety and liquidity, and anything else you hold. This tool turns your target percentages into dollar amounts so you know how much to hold in each. Over time, gains and losses pull the mix away from your targets; rebalancing back to these dollar figures is what keeps your risk level where you intend it, and it quietly enforces buying low and selling high.
Worked example
On a $100,000 portfolio with targets of 60% stocks, 30% bonds and 10% cash, the dollar targets are $60,000 in stocks, $30,000 in bonds and $10,000 in cash. If a strong year pushed stocks to $70,000, you would trim $10,000 back into bonds and cash to return to the plan.
Frequently asked questions
What allocation is right for me?
It depends on your time horizon and tolerance for risk. A long horizon can support more stocks; money needed soon leans toward bonds and cash. One old rule of thumb holds a stock percentage near 110 or 120 minus your age, but it is only a starting point.
Why must the percentages total 100%?
Because your whole portfolio is being divided up — the slices have to account for every dollar. This tool accepts 99% to 101% to allow for rounding, and flags anything outside that as a mistake.
How often should I rebalance?
Common approaches are once a year or whenever an asset drifts more than about 5 percentage points from its target. Rebalancing too often adds costs and taxes; too rarely lets risk creep up.
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Educational estimate, not investment or tax advice. Returns are never guaranteed and past performance does not predict the future. Confirm with a licensed advisor.