Portfolio Allocation Calculator
Know what you actually own.
Enter what you hold in stocks, ETFs, bonds, cash and other assets to see the weight of each slice and how growth-oriented or defensive your mix is.
- Free, no sign-up
- Runs in your browser
- Shareable results
- Educational only
What do you hold?
Shares of individual companies.
Count stock funds here, or put bond funds under bonds.
Bonds and bond funds.
Savings, money market, short-term deposits.
Real estate funds, commodities, crypto and similar.
Classify each ETF by what it holds, for example a bond ETF belongs under bonds. These are hypothetical assumptions for learning, not forecasts or expected results for any investment.
Result
Your portfolio, slice by slice.
View the detailed table
What the numbers mean.
Allocation drives risk.
How you split money between growth assets and defensive assets usually explains more of a portfolio’s ups and downs than which individual holdings you choose.
Look through your funds.
A fund called a “balanced” or “target-date” fund already mixes assets. Count what it holds, not its name, when you classify it.
Weights drift.
Strong markets raise the weight of the best performer. Check your allocation regularly and use the rebalancing calculator when it drifts from your plan.
About this portfolio allocation calculator.
A portfolio allocation calculator turns the money you hold in each type of asset into percentages of the whole. Enter the current value of your individual stocks, ETFs and funds, bonds, cash and other assets, and the calculator shows how much of your portfolio sits in each slice and whether your mix leans toward growth or stability.
Asset allocation is a main driver of how a portfolio behaves, because stocks, bonds and cash react differently to markets. Our guide to building an ETF portfolio explains how investors choose a mix, and the glossary entry on asset allocation gives the short version. When your mix drifts from your plan, use the portfolio rebalancing calculator to see what to buy or sell.
How the portfolio allocation calculator works in practice.
Take a $100,000 portfolio with $25,000 in individual stocks, $35,000 in ETFs and funds, $25,000 in bonds, $10,000 in cash and $5,000 in other assets.
ETFs and funds: 35.00%
Bonds: 25.00%
Cash: 10.00%
Other: 5.00%
Stocks and ETFs combined: 60.00%
Bonds and cash combined: 35.00%
That is a balanced-to-growth mix, with the largest slice in ETFs. The growth-heavy example (90% in stocks and ETFs) and the conservative example (25% in stocks and ETFs, 70% in bonds and cash) show how the same tool describes very different portfolios. If an ETF in your portfolio mainly holds bonds, move its value to the bonds box for a truer picture.
How to choose your inputs.
Individual stocks. The current market value of shares you hold directly, not what you paid.
ETFs and funds. The current market value of ETFs and mutual funds. If a fund is mostly bonds, enter it under bonds.
Bonds. The current value of bonds and bond funds.
Cash and equivalents. Cash, savings and money market holdings.
Other assets. Anything that does not fit above, such as real estate funds or commodities. Leave it at 0 if you have none.
How the portfolio allocation calculator works.
The calculator adds your five amounts to get the total, then divides each amount by the total. It also combines stocks and ETFs to show the growth-oriented share and bonds and cash for the defensive share.
Weight of a class = class value ÷ total value
Growth-oriented share = stocks + ETFs
Defensive share = bonds + cash
The tool treats ETFs as stock funds by default. It cannot see inside your funds, so classify them yourself for accurate results.
Limits of this portfolio allocation calculator.
The calculator shows weights, not whether a mix is right for you. It does not look inside funds, so a single ETF may hold many stocks, bonds or countries. It ignores risk, geography, sectors and your goals, and it uses today’s values, which change daily. Use it as a starting point and compare the result with your own plan or a qualified adviser’s.
Common questions about the portfolio allocation calculator.
What is a good asset allocation?
There is no single answer. It depends on your goals, time horizon and tolerance for losses. This calculator describes your current mix and does not recommend one.
Should cash count as part of my portfolio?
Include it if you consider it part of your investable money. Many people track emergency savings separately.
How often should I check my allocation?
Many investors review it once or twice a year, or when a large market move changes the weights.
Does this cover international or sector exposure?
No. It shows broad asset classes only. The diversification calculator looks at concentration across holdings.
How do I calculate my asset allocation?
Divide the value of each asset class by the total portfolio value and multiply by 100. The calculator does this for five classes at once.
Should a bond ETF count as bonds?
Yes. Classify each fund by what it mainly holds rather than by its wrapper, so enter a bond ETF under bonds.
More calculators.
Educational illustration only, not personal investment advice. Asset-class labels are your own, and the tool cannot see the contents of your funds.
Further learning: How to build an ETF portfolio · Glossary: Asset allocation · Portfolio Rebalancing Calculator · Investor.gov: Financial tools and calculators · Research methodology · Financial disclaimer