Portfolio Allocation Calculator

Portfolio Allocation Calculator

Asset Allocation: —

Portfolio Allocation Calculator

The Portfolio Allocation Calculator helps you determine how to divide your investments among Equity, Debt, and Gold based on your age and risk profile. It uses the age-based rule of thumb to balance growth and stability in your investment strategy.

Formula:

Equity (%) = 100 − Age

Debt (%) = Age × 0.7

Gold (%) = 100 − Equity − Debt

Where:

  • Age = Your current age in years
  • These percentages indicate ideal allocation based on typical risk tolerance

Steps to Use the Calculator:

  1. Enter your current age.
  2. Click on Calculate to view your suggested portfolio allocation.
  3. The result will show ideal percentage allocation in Equity, Debt, and Gold.

Example:

If your age is 30:

  • 📈 Equity: 70%
  • 💰 Debt: 21%
  • 🪙 Gold: 9%

Portfolio Allocation Calculator – Create the Right Investment Mix

Use our powerful Portfolio Allocation Calculator to build a customized investment portfolio based on your goals, age, risk appetite, and time horizon. Whether you're a beginner or an experienced investor, this tool helps you decide how much to invest in equity, debt, gold, real estate, and other asset classes.

This free asset allocation calculator is designed for those who want to build a balanced, diversified portfolio. It helps you align your investments with your financial goals by answering one question: “How should I allocate my investments?”

Key Features:

  • Suggests ideal asset allocation by age and risk profile
  • Uses modern investment strategy models for allocation
  • Balances short-term vs long-term goals
  • Suitable for both SIP and lump sum investors
  • Supports goal-based investing and retirement planning

Whether you're building a mutual fund portfolio, investing in stocks and bonds, or exploring gold ETFs, REITs, or fixed deposits – this calculator gives you a clear roadmap.

Best Use Cases:

  • Create your ideal investment allocation based on income and risk
  • Know how much to invest in equity vs debt
  • Calculate mutual fund portfolio diversification
  • Compare conservative vs aggressive portfolios
  • Use for long-term wealth creation strategy
  • Plan a balanced portfolio for retirement
  • Identify overexposure in high-risk assets

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This tool is perfect for those asking, "How much equity should I have in my portfolio?" or "What's the best investment mix for my age?" It adapts to your profile and simplifies decision-making in complex markets.

Use this portfolio rebalancing calculator regularly to stay aligned with your goals. Reallocate your assets annually or as your income and goals evolve. Perfect for salaried individuals, NRIs, business owners, and young investors starting their wealth journey.

Also Try Our Other Investment Calculators:

  • Savings Goal Calculator – Plan for short-term and long-term targets
  • Retirement Corpus Calculator – Know how much you need by age 60
  • Risk Tolerance Tool – Find out your investor personality type
  • SIP Calculator – Know how monthly investments grow over time

Portfolio Allocation Calculator – FAQs

1. What is a Portfolio Allocation Calculator?

A Portfolio Allocation Calculator helps you divide your investments across asset classes like equity, debt, gold, and real estate based on your risk profile, age, and financial goals.

2. Who should use this calculator?

Anyone planning long-term investments, including salaried individuals, business owners, NRIs, and first-time investors can use this tool to build a diversified portfolio.

3. Can this calculator help with mutual fund planning?

Yes, the calculator is perfect for mutual fund investors. It helps determine how much to invest in equity funds vs debt funds based on your goals and risk appetite.

4. Is this based on age and risk profile?

Yes. The tool uses your age, investment duration, and risk tolerance to suggest an ideal investment mix, commonly known as asset allocation by age.

5. What asset classes does it include?

It includes equity (stocks, mutual funds), debt (bonds, fixed deposits), gold, and sometimes real estate. You can customize based on your preferences and needs.

6. Can I rebalance my portfolio using this tool?

Yes. You can use the calculator regularly (e.g., yearly) to adjust your asset allocation as your age, income, or goals change—this is called portfolio rebalancing.

7. Is this calculator free and secure?

Absolutely. The Portfolio Allocation Calculator is 100% free to use, requires no login, and doesn't store any personal data.