Quick answer
Each asset's amount = portfolio value × its percentage ÷ 100. A $100,000 portfolio split 60/30/10 holds $60,000 in stocks, $30,000 in bonds and $10,000 in cash.
Enter the portfolio value and the percentage for stocks, bonds and cash. The calculator returns the dollar amounts. Use this asset allocation calculator to check your own figures.
Related tools: Investment Calculator: Project investment growth from a rate of return you choose. Financial Calculator: Time-value-of-money solver for N, rate, present value, payment or future value. IRR Calculator: Internal rate of return of an investment from its yearly cash flows.
How to use the Asset Allocation Calculator
- Enter portfolio value ($) (above 0).
- Enter stocks (%) (between 0 and 100).
- Enter bonds (%) (between 0 and 100).
- Enter cash (%) (between 0 and 100).
- Press Calculate to see the result, and use Reset to start again.
| Input | What to enter | Allowed values |
|---|---|---|
| Portfolio value | A number, in $ | > 0 |
| Stocks | A number, in % | ≥ 0, ≤ 100 |
| Bonds | A number, in % | ≥ 0, ≤ 100 |
| Cash | A number, in % | ≥ 0, ≤ 100 |
Formula and method
Formula
amount = portfolio value × percentage ÷ 100
IEEE-754 double precision; money shown to cents, rates to 4 decimals. Results are estimates, not financial advice.
The three percentages must add up to 100.
Worked examples
These examples are verified: each one is an automated test case that the live calculator must reproduce exactly.
Example 1
Inputs: Portfolio value = 100000; Stocks = 60; Bonds = 30; Cash = 10.
| Result | Value |
|---|---|
| Stocks | $60,000.00 |
| Bonds | $30,000.00 |
| Cash | $10,000.00 |
Example 2
Inputs: Portfolio value = 25000; Stocks = 70; Bonds = 25; Cash = 5.
| Result | Value |
|---|---|
| Stocks | $17,500.00 |
| Bonds | $6,250.00 |
| Cash | $1,250.00 |
The first line is the headline result (stocks). Below it the asset Allocation Calculator lists bonds and cash, which describe the same case from other angles. IEEE-754 double precision; money shown to cents, rates to 4 decimals. Results are estimates, not financial advice.
Allocation is a policy
The mix of stocks, bonds and cash drives most of a portfolio's risk and return. A 60/40 stock/bond mix is a traditional balanced allocation. The percentages must add up to 100.
Rebalancing
Market moves shift the mix: if stocks grow to 70%, selling some and buying bonds returns to the target. Many investors rebalance yearly or when an asset drifts 5 percentage points. This page is educational, not personal investment advice.
How the result changes with portfolio value
Holding every other input at the first worked example, this table changes only portfolio value. It shows how sensitive the answer is to that one value; each row was produced by running this calculator.
| Portfolio value | Stocks | Bonds | Cash |
|---|---|---|---|
| 50000 | $30,000.00 | $15,000.00 | $5,000.00 |
| 100000 | $60,000.00 | $30,000.00 | $10,000.00 |
| 200000 | $120,000.00 | $60,000.00 | $20,000.00 |
| 400000 | $240,000.00 | $120,000.00 | $40,000.00 |
What happens with invalid input
These messages are produced by the calculator itself, so you know what to fix.
- Cash: entering "30" shows "The percentages must add up to 100." beside that field and no result.
- Portfolio value: entering "0" shows "Portfolio value must be greater than 0." beside that field and no result.
Choosing between the Asset Allocation Calculator and similar calculators
Each row shows what a related calculator on this site asks for and what it returns, so you can pick the one that matches your question.
| Calculator | You enter | It returns |
|---|---|---|
| [Investment Calculator](/finance/investment-calculator/) | initial amount, annual interest rate and years | Projected value |
| [Financial Calculator](/finance/financial-calculator/) | solve for, periods per year and payments | Future value (FV) |
| [IRR Calculator](/finance/irr-calculator/) | initial investment and cash flows | IRR |
| [CAGR Calculator](/finance/cagr-calculator/) | beginning value, ending value and years | CAGR |
| [Present Value Calculator](/finance/present-value-calculator/) | future value, annual discount rate and years | Present value |
Background: interest, saving and investing
A nominal rate (APR) does not include the effect of compounding; the annual percentage yield (APY) does: APY = (1 + r/n)^n − 1. A 5% nominal rate compounded annually is 5.000%, semi-annually about 5.063%, quarterly about 5.095% and monthly about 5.116%, so more frequent compounding helps, but with diminishing returns.
The rate you enter in a projection is an assumption, not a promise: real returns vary and can be negative. Fees and taxes are not modelled unless the page says so.
Assumptions and limitations
- Percentages must total 100
Results are estimates for planning, not financial advice. Lender terms, fees, taxes and rounding rules can change real figures, so confirm important numbers with your lender or a licensed adviser.
If a required value is empty, not a number, or outside its allowed range, the form marks that field with a message and shows no result instead of a misleading number. The automated checks deliberately try invalid entries for cash and portfolio value to confirm this.
Frequently asked questions
What allocation suits me?
It depends on your goals, horizon and risk tolerance; a professional can advise.
What does 100 minus age mean?
A rule of thumb for the stock share; it is only a guide.
Do percentages have to total 100?
Yes. The shares must add up to 100% of the portfolio, so the 60/30/10 split uses all of it.
What does the Asset Allocation Calculator calculate?
Dollar amounts for a stock, bond and cash split. It returns Stocks, Bonds and Cash.
What formula does the Asset Allocation Calculator use?
amount = portfolio value × percentage ÷ 100. The three percentages must add up to 100.
What do I need to enter in the asset Allocation Calculator?
You enter Portfolio value ($), Stocks (%), Bonds (%) and Cash (%).
How is the result rounded or limited?
IEEE-754 double precision; money shown to cents, rates to 4 decimals. Results are estimates, not financial advice. Percentages must total 100.
What is an example of a asset Allocation result?
With portfolio value 100000, stocks 60, bonds 30 and cash 10, the stocks is $60,000.00.
Can I rely on this calculator for a decision?
Results are estimates for planning, not financial advice. Lender terms, fees, taxes and rounding rules can change real figures, so confirm important numbers with your lender or a licensed adviser. For this calculator in particular: Percentages must total 100.
Related calculators
- Investment Calculator — Project investment growth from a rate of return you choose.
- Financial Calculator — Time-value-of-money solver for N, rate, present value, payment or future value.
- IRR Calculator — Internal rate of return of an investment from its yearly cash flows.
- CAGR Calculator — Compound annual growth rate between two values.
- Present Value Calculator — Today's value of a future amount at a given discount rate.
- Mutual Fund Calculator — Growth of a fund investment after its expense ratio.
- Doubling Time Calculator — Years for money to double at a given rate.
- PVIFA Calculator — Present value interest factor of an annuity.
- WACC Calculator — Weighted average cost of capital.
Sources
- Standard time-value-of-money relations (e.g. Brealey, Myers & Allen, Principles of Corporate Finance)
Content last reviewed 2026-11-04. Formulas and worked examples are checked by automated tests against independently computed values.