Asset Allocation Calculator (by age)
Estimate a simple stock and bond allocation using age-based allocation rules.
- Last reviewed
- August 26, 2026
- Cost
- Free to use
- Data
- Runs in your browser
- Reviewed by
- Anton Jonson
Suggested Stock Allocation
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Suggested Bond Allocation
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Stock Amount
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Bond Amount
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Methodology
How this calculator handles inputs
This calculator uses the values you enter above and applies the formula explained in the guide below. Results update in the browser and are intended for quick planning, comparison, and sanity-checking.
- Use consistent periods, currencies, and units across inputs.
- Review any assumptions before using the result in a decision.
- Recalculate when rates, prices, tax rules, or business terms change.
Important note
This tool provides general planning information only. It is not tax, legal, financial, accounting, or investment advice. Check the current rules for your location and speak with a qualified professional before making a high-stakes decision.
Guide
How it works
Use this calculator to estimate a simple age-based asset allocation.
What this calculator does
The asset allocation by age calculator estimates stock and bond percentages using a simple age-based rule.
Asset Allocation Formula
Stock Allocation = 110 - Age
The calculator keeps the result within a practical range.
Example calculation
At age 40, the rule suggests about 70% stocks and 30% bonds.
When to use this calculator
- setting a starting allocation
- comparing risk by age
- planning retirement glide paths
- reviewing portfolio balance
FAQs
Is this personalized advice?
No. It is a simple rule of thumb for planning.
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