Asset Allocation Calculator
Plan equity and debt allocation by age and portfolio size. Compare your chosen allocation with a simple age-based rule of thumb.
Asset allocation decides how much of your portfolio sits in growth assets such as equity and how much sits in stabilisers such as debt. This calculator converts an equity percentage into rupee amounts and compares it with a simple age-based rule.
Calculate your result
Change the inputs on the left. Results update instantly on the right.
Portfolio inputs
Why use the Asset Allocation Calculator
Returns matter, but allocation usually drives the risk you actually experience. A clear equity-debt split helps avoid portfolios that are too aggressive near goals or too conservative for long-term growth.
Benefits at a glance
Rupee split
See equity and debt amounts for your current corpus.
Age-based benchmark
Compare against the 110-minus-age rule of thumb.
Drift visibility
Spot when your chosen allocation is materially away from the benchmark.
How to use the Asset Allocation Calculator
- 1
Enter age
Use the investor age or the age of the primary goal owner.
- 2
Enter corpus
Use investible assets, excluding emergency cash if desired.
- 3
Set equity allocation
Enter the equity share you want to hold.
- 4
Review split
Use the rupee split to plan investments or rebalancing.
Assumptions and exclusions
- Uses 110 minus age as a simple benchmark, not personalised advice.
- Debt includes fixed income, deposits and debt funds.
- Gold, REITs and alternatives are not separately modelled.
Frequently asked questions
What is a good equity allocation?
It depends on goal horizon, income stability and risk tolerance. Longer horizons can usually support more equity.
Is 110 minus age always right?
No. It is only a starting rule. Goal date and behaviour during market falls matter more.
Should emergency fund be included?
Usually no. Emergency money should be planned separately and kept liquid.
Final word
Use the asset allocation calculator as a starting point for portfolio structure. Revisit the split when your goals, age, income stability or market exposure changes.
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