— Stock Market
Portfolio Allocation Calculator
Set a target portfolio allocation across assets or holdings. Enter total investment and target weights to see how much goes into each, then add current values to find gaps and what to top up.
Total to allocate
$100,000
- Equity
- $60,000
- Debt
- $30,000
- Gold
- $10,000
Try: 60 / 30 / 10 split, Four-asset portfolio, Gap vs current holdings
— Allocation by asset
| Asset | Target % | Amount | Current % | Gap to target |
|---|---|---|---|---|
| Equity | 60% | $60,000 | 70% | $-10,000 |
| Debt | 30% | $30,000 | 20% | $10,000 |
| Gold | 10% | $10,000 | 10% | $0 |
— Target allocation
Download— How it works
Amount per asset = total × (target weight ÷ sum of weights). Current % = current value ÷ total current. Gap = target amount − current value.
From a plan to amounts
An asset allocation is just a set of target weights — say 60% equity, 30% debt, 10% gold — that reflect how much risk you want to take. Turning that into action means multiplying each weight by your total: on $100,000, that’s $60,000, $30,000 and $10,000. The calculator does this for any number of assets, and if your weights don’t happen to add to 100% it scales them proportionally so the amounts still total exactly what you have to invest.
Worked example — $100,000 at 60 / 30 / 10: Equity $60,000, debt $30,000, gold $10,000. If you already hold $70,000 of equity, the gap column shows −$10,000 — you’re over-weight equity and should direct new money elsewhere.
Comparing with where you are
Enter your current value for each asset and the calculator shows your current percentage alongside the target, and the gap — the amount to add (or trim) to reach the target. This is the difference between a plan and reality: portfolios drift as markets move, and the gap tells you where the drift is. New money is the cleanest way to close it — directing fresh contributions to the under-weight assets avoids selling — which is exactly what the contribution field and the rebalancing calculator help with.
Choosing the weights
How you split matters more than which specific funds you pick. Common frameworks tie equity weight to risk tolerance or age — the old “100 minus age” (or 110/120 minus age for a longer horizon) rule of thumb for the equity share is a starting point, not a law. Diversifying across asset classes that don’t move together — equity, bonds, gold, international — smooths the ride. This tool sets and splits the target; it doesn’t recommend one. What weights suit you depend on your goals, horizon and risk appetite, so treat the output as arithmetic on your plan. Not investment advice.
— Reader questions
How do I calculate how much to invest in each asset?
Multiply your total by each asset’s target weight. On $100,000 with a 60/30/10 split, that’s $60,000 to equity, $30,000 to debt and $10,000 to gold. The calculator does this for any number of assets.
What if my target weights don’t add up to 100%?
The calculator scales them proportionally so the amounts still total your full investment, and flags that they didn’t sum to 100%. It’s best to enter weights that add to 100 for clarity.
What is the gap to target?
The difference between the target amount for an asset and what you currently hold in it. A negative gap means you’re over-weight that asset; a positive gap means you need to add to it.
What’s a good asset allocation?
There’s no single answer — it depends on your goals, time horizon and risk tolerance. Rules of thumb like “100 minus age” for the equity share are starting points. Diversifying across asset classes that behave differently is the common thread.
How is this different from rebalancing?
Allocation sets the target split and the amounts. Rebalancing takes your current, drifted holdings and works out the specific buys and sells (or where to direct new money) to get back to that target.