Free investing tool

Free Asset Allocation Calculator — Find Your Perfect Portfolio Mix

Answer five risk questions, compare model portfolios, test your own mix, and see how current savings plus monthly contributions could compound over the next 10, 20, and 30 years.

1. Risk tolerance quiz

Score the five questions below. Your result anchors the default recommendation, but you can switch to presets or a custom override any time.

Time horizon Reaction to a 30% drop Income stability Existing assets outside this portfolio Primary goal type

2. Model portfolio presets

Use the quiz recommendation, or click a preset to compare common mixes quickly.

Your quiz-based recommendation will appear here.

Enable custom override mode

U.S. stocks % Bonds % International % REITs %

Total: 100%

Custom mode lets you override the recommendation and instantly see the expected return and volatility range for your own mix.

3. Projection calculator

Current balance Monthly contribution

Projection bands use the active allocation assumptions and show a conservative, base, and optimistic range for each horizon.

Horizon	Conservative	Base	Optimistic

Your recommended mix

Active mode

Quiz Result

Quiz score

Expected return range

Volatility range

U.S. stocks40%

Bonds30%

International20%

REITs10%

Want the full toolkit?

The paid Asset Allocation Toolkit adds a 20-question scored quiz, six model portfolios, a target date fund comparison, drift tracking, rebalancing band tools, and a deeper Monte Carlo worksheet.

See the Asset Allocation Toolkit

Use the free calculator first, then grab the deeper decision pack if you want the full worksheet system.