Can I input my current holdings to see how they compare to the suggested allocation?

Yes, the calculator allows you to edit your financial details and profile to tailor allocations, and you can review the suggested mix against your current holdings to identify gaps or overlaps.

What does the ten-year growth projection actually show?

At year 10, the model indicates the percentage of portfolios that are losing money, helping you gauge the potential downside risk associated with the selected risk profile.

Is the suggested stock/bonds/cash mix set in stone once I choose a profile?

No, the profile provides a starting point; you can adjust the allocations manually to better fit your specific financial situation and goals.

Does the tool account for geographic or sector diversification?

Yes, the calculator examines exposures across styles, regions, and economic sectors, including large-cap, mid-cap, small-cap, international markets, and emerging markets, to give a comprehensive view of your current holdings.

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Asset Allocation Planner Calculator

Provided bySmartAssetsmartasset.com

Free asset allocation calculator where you pick a risk profile (very conservative to very aggressive) and get a sugge...

One of 6 options for Asset Allocation Planner Calculator

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Screenshot of Asset Allocation Planner Calculator on SmartAsset — smartasset.comOpen the live tool →

About this tool

What Asset Allocation Planner Calculator does

The Asset Allocation Calculator on SmartAsset is a free tool that helps investors evaluate their current portfolio structure. Users begin by selecting a risk profile—ranging from Very Conservative to Very Aggressive—which determines the suggested mix of stocks, bonds, and cash. The calculator provides an instant overview of asset allocation across multiple dimensions, including large-cap, mid-cap, and small-cap stocks, international markets, emerging markets, corporate bonds, and cash. It also offers growth projections, showing the potential performance of the suggested portfolio over a ten-year horizon, including the percentage of portfolios expected to be losing money at that time.

Step by step

How to use the SmartAsset Asset Allocation Planner Calculator

1
Open the Asset Allocation Calculator on SmartAsset
2
Select a risk profile from Very Conservative to Very Aggressive to set your target allocation
3
Review the suggested breakdown of stocks, bonds, and cash, along with sub-categories like large-cap blend and international markets
4
Use the growth projection data to understand potential ten-year performance and downside risk

Is it right for you

Best for

This option suits investors who want a quick, risk-profile-based starting point for asset allocation, with detailed sub-sector exposure data and ten-year growth projections to inform decisions.

Limitations

Suggested allocations are based on generalized risk profiles rather than personalized financial advice
Growth projections and loss percentages are model-based estimates, not guarantees of future performance
The tool requires manual input of existing portfolio details to compare against suggested allocations

Questions

Asset Allocation Planner Calculator FAQ

Can I input my current holdings to see how they compare to the suggested allocation?: Yes, the calculator allows you to edit your financial details and profile to tailor allocations, and you can review the suggested mix against your current holdings to identify gaps or overlaps.
What does the ten-year growth projection actually show?: At year 10, the model indicates the percentage of portfolios that are losing money, helping you gauge the potential downside risk associated with the selected risk profile.
Is the suggested stock/bonds/cash mix set in stone once I choose a profile?: No, the profile provides a starting point; you can adjust the allocations manually to better fit your specific financial situation and goals.
Does the tool account for geographic or sector diversification?: Yes, the calculator examines exposures across styles, regions, and economic sectors, including large-cap, mid-cap, small-cap, international markets, and emerging markets, to give a comprehensive view of your current holdings.

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