Portfolio Allocation Calculator
Enter your holdings to see each one's share of your portfolio and your stocks, bonds, and cash mix.
Know exactly where your money sits. List each holding with its current value and asset class, and the calculator shows every holding's percentage of the total plus your overall stocks, bonds, and cash mix — the starting point for rebalancing back to your target allocation.
How to use this calculator
- List each holding: give it a name, enter its current value, and pick stocks, bonds, or cash.
- Add rows with '+ Add holding' or remove ones you don't need.
- Click Calculate to see your total portfolio value.
- Review the asset-mix bar and per-holding percentages to spot where you're overweight or underweight.
The formula
Allocation % = Holding Value / Total Portfolio Value
Worked example
$5,000 in stocks, $3,000 in bonds, and $2,000 in cash is a $10,000 portfolio allocated 50% stocks / 30% bonds / 20% cash.
Frequently Asked Questions
What is asset allocation?
Asset allocation is how your portfolio is divided among asset classes — mainly stocks, bonds, and cash. It's the single biggest driver of your portfolio's risk and expected return, more important than which specific funds you pick. This calculator shows your current mix so you can compare it to your target.
Why does the stocks/bonds/cash mix matter?
Stocks drive long-term growth but swing wildly; bonds are steadier but grow slower; cash is safe but loses to inflation. A 90/10 stocks-to-bonds portfolio behaves very differently from a 50/50 one. Your mix should reflect your time horizon and how much volatility you can tolerate without panic-selling.
How often should I check my allocation?
Once or twice a year is enough for most investors, plus a check after big market moves. If any class has drifted more than about 5 percentage points from your target, consider rebalancing — selling some of what's grown and buying what's lagged to restore your intended mix.
What counts as cash in my allocation?
Savings accounts, money-market funds, CDs, and Treasury bills all count as cash or cash equivalents. They're the stable, instantly-available slice of your portfolio. Don't confuse portfolio cash with your emergency fund, though — that should be tracked separately.
Should I include my emergency fund in the portfolio?
Usually not. Your emergency fund has a different job — covering 3–6 months of expenses — and shouldn't be counted toward your investment allocation or rebalanced. Keep it in a high-yield savings account and run this calculator on your invested assets only.