Portfolio Allocation Calculator
Visualize your portfolio allocation with a pie chart and calculate rebalancing amounts to reach your target allocation.
For informational purposes only. Not financial advice. Calculations are estimates and may not reflect your exact situation. Consult a qualified financial adviser for personalised guidance.
About Portfolio Allocation Calculator
See exactly how your money is spread across different investments and figure out what trades to make to get back on target. Add your assets, set target percentages, and the calculator does the rest.
Visual Allocation
The pie chart shows your current allocation at a glance. Each asset gets a distinct color, and the percentage bars let you compare relative sizes. This makes it easy to spot when one asset class has drifted too far from your plan.
Rebalancing Guidance
Set a target percentage for each asset and the calculator computes exactly how much to buy or sell to reach those targets. Green means you need to buy more, red means you should trim. If your targets do not add up to 100%, a warning shows so you can adjust. For calculating the expected return on your overall portfolio, the ROI Calculator can compare different allocations.
Building Your Allocation
There is no single correct allocation. It depends on your age, risk tolerance, and goals. A common starting point is splitting between stocks and bonds based on your age. Younger investors can afford more stocks. Those nearing retirement often shift toward bonds and dividend-paying stocks. The Retirement Calculator can help you plan the drawdown phase. Everything runs in your browser with nothing stored.
Frequently Asked Questions
What is portfolio allocation?
Portfolio allocation is how you divide your investments across different asset classes like stocks, bonds, real estate, and cash. Your allocation determines your risk and return profile. A portfolio heavy in stocks has more growth potential but also more volatility than one weighted toward bonds.
How does rebalancing work?
Rebalancing means adjusting your portfolio back to your target percentages. If stocks outperform and grow from 60% to 70% of your portfolio, you would sell some stocks and buy other assets to get back to 60%. The calculator shows you exactly how much to buy or sell for each asset.
Why do targets need to add up to 100%?
The calculator will still work if your targets do not add to 100%, but it will show a warning. Targets summing to 100% ensure every dollar in your portfolio has a designated allocation. If they add to less than 100%, the calculator assumes the remainder is unallocated.
How often should I rebalance?
Most advisors suggest rebalancing once or twice a year, or whenever an asset drifts more than 5% from its target. Too-frequent rebalancing can trigger unnecessary taxes and trading costs. Too-rare rebalancing lets your risk profile drift from your plan.
Can I add more than a few assets?
Yes. Click the add button to include as many assets as you need. You can track individual stocks, ETFs, bonds, crypto, real estate, cash, or any other holding in your portfolio.