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Personal Finance/Asset Allocation Calculator

Asset Allocation Calculator

Take a risk quiz or use age-based allocation — see dollar breakdown and 10-year projected growth.

PORTFOLIORisk quizAge-based4 asset classes10-yr projection
$
🧪 Risk Tolerance Quiz (1/4)
If your portfolio dropped 20% in one year, you would:
Adjust Allocation (optional)
$169,202projected value in 10 years
Conservative · 0.1% expected return
30%
55%
10%
5%
📊 Dollar Allocation
📈 Stocks (Equities)$30,000 (30%)
💰 Bonds (Fixed Income)$55,000 (55%)
💵 Cash & Equivalents$10,000 (10%)
🔄 Alternatives (REITs, Gold)$5,000 (5%)
Total Portfolio$100,000
🔄 Rebalancing Recommendation
Review your allocation annually. If any asset class drifts more than 5% from target, rebalance by selling over-weighted assets and buying under-weighted ones.
Data Source & Legal Disclaimer
Effective: 2026Last updated: 6 months agoUpdate: Annual
Sources: Vanguard — Asset Allocation

Expected returns are long-term historical averages: Stocks ~9%, Bonds ~4%, Cash ~2%, Alternatives ~6%. Past performance does not guarantee future results. This is educational only — not investment advice.

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