Financial Calculators
Asset Allocation Calculator
Before funds and stocks comes the split. Get a sensible equity-debt starting point in ten seconds.
Suggested split
60 : 40
equity : debt (thumb rule)
- Equity allocation
- ₹30,00,000
- Debt and stable allocation
- ₹20,00,000
The 100-minus-age rule is a starting point, bounded here between 10% and 90% equity. Real allocation should reflect goals, income stability and temperament, which is a conversation, not a formula.
Allocation decides more than selection
Decades of evidence agree: the split between growth assets and stable assets explains most of a portfolio's behaviour, far more than which specific fund you picked. The 100-minus-age rule gives a serviceable starting point, a 40-year-old starts at 60% equity, adjustable for temperament and job security.
This calculator bounds the result between 10% and 90% equity and converts the split into rupees for your actual portfolio. Treat it as the opening position of a conversation, not the final word.
The thumb rule
Equity % = 100 - age + risk adjustment (bounded 10-90)\nDebt % = 100 - equity %Worked example: a 40-year-old with no risk adjustment gets a 60:40 split; on a Rs 50,00,000 portfolio that is Rs 30,00,000 in equity and Rs 20,00,000 in debt and stable assets.
Frequently asked questions
Is 100-minus-age actually a good rule?
It is a good starting point and a poor stopping point. A stable-pension officer can hold more equity than the rule says; a volatile-income freelancer perhaps less. Adjust with the risk slider, then with judgement.
What counts as debt in this split?
EPF, PPF, DSOP, debt funds, FDs and bonds. Count them all; most households discover they are more conservative than they believed once provident funds are included.
How often should I rebalance to the target?
Annually, or when the split drifts 5-10 points from target. Rebalancing enforces buy-low-sell-high without requiring forecasts.
Where do gold and real estate fit?
Gold, 5-10%, usually carved from the debt side. Self-occupied property sits outside this split; investment property belongs to a broader conversation.
Set the split. Then stay loyal to it.
Allocation, automation and an annual review: the whole system, working together.