§ Tools / Series 03 · Personal finance
Asset allocation calculator
Four questions in one screen. How much should I invest each month? How does my current rate compare? What should my equity/debt/cash/gold split look like? Where am I off-target? Every number is traced to the exact formula; every input is marked used, defaulted, or unused. No black box.
§ Not personalized advice
This is a transparent allocation framework — not a stock-valuation tool, not a robo-advisor, not personalized advice. The formula trace shows exactly which rule produced each number. Editable assumptions throughout.
4
Engines
3
Modes
100/110/120
Equity rules
7
Currencies
v1
Methodology
Mode
§ Result
Where you stand
Status
↓Below target
Current savings rate
15.0%
target 25%
Ideal monthly investment
$2,000
25% × salary
Monthly deficit
−$800
vs. ideal
Equity allocation
78%
15+ yrs (long)
Debt allocation
22%
balance of portfolio
Monthly to equity
$1,560
of ideal investment
Monthly to debt
$440
of ideal investment
§ Recommended split
78%
Equity
Equity78%
Debt22%
Cash0%
Gold0%
§ Salary allocation
§ Allocation table
Per-asset breakdown
| Asset class | % | Target amount / mo | Current-savings amount / mo | Expected return | |
|---|---|---|---|---|---|
| Equity | 78% | $1,560 | $936 | 8.5% | |
| Debt | 22% | $440 | $264 | 5.0% | |
| Cash | 0% | $0.0 | $0.0 | 3.5% | |
| Gold | 0% | $0.0 | $0.0 | 6.0% | |
| Total | 100% | $2,000 | $1,200 | 7.73% |
§ Projection
Portfolio over 10 years
§ Formula trace
- Savings rate
- targetSavingsRate = policy(25%) = 25.0%
- currentSavingsRate = currentSavings / salary = 1200 / 8000 = 15.00%
- idealMonthlyInvestment = salary × targetSavingsRate = 8000 × 25.0% = 2000.00
- monthlyInvestmentDeficit = ideal − current = 800.00
- Allocation rule
- baseEquityAllocation = (110 − age) = 78% [age=32]
- riskAdjustedEquity = base +0pp (Balanced) = 78%
- horizonCap = bucket 15+ yrs (long) → cap 95%
- recommendedEquityAllocation = 78%
- recommendedDebtAllocation = 100 − equity − cash − gold = 22%
- Projection
- weightedReturn = Σ(weight × expectedReturn) = 7.73% p.a.
- projectionRows = 10 years · final = 417895
§ Input audit
ageused
amountBasisused
cashPctunused
currencyused
currentCashPctunused
currentDebtPctunused
currentEquityPctunused
currentGoldPctunused
currentSavingsused
emergencyBalanceunused
emergencyPriorityRateunused
emergencyTargetMonthsunused
equityRuleIdused
expectedReturnCashused
expectedReturnDebtused
expectedReturnEquityused
expectedReturnGoldused
goldPctunused
horizonYearsused
monthlyExpensesunused
policyIdused
projectionYearsused
riskIdused
salaryused
salaryGrowthPctused
showProjectionused
targetAgeunused
unitused
§ Same engine, headlessly
The four engines behind this surface (savings-rate, allocation-rule, emergency-fund, projection) are also reachable as a stateless REST endpoint and as MCP tools, with a versioned methodology stamp.
POST/api/v1/financial-calculators/asset-allocation/calculate
GET/api/v1/financial-calculators/asset-allocation/schema
GET/api/v1/financial-calculators/asset-allocation/defaults
GET/api/v1/financial-calculators/asset-allocation/model-portfolios · professional+
GET/api/v1/financial-calculators/asset-allocation/ticker-defaults · professional+
MCP tools
calculate_asset_allocationexplain_asset_allocation_formulaget_asset_allocation_defaultsget_asset_allocation_model_portfoliosmethodology_version = financial-calculators.v1 · canonical = /en/tools/asset-allocation-calculator
§ FAQ
Four things worth knowing
Q01What percent of my salary should I invest each month?+
Pick a target rate (20% / 25% / 30%, or custom). The calculator returns the monthly amount that target implies in your currency, and the deficit or surplus versus what you actually save today. There is no universal answer — most planners anchor on 20%, but the right number depends on age, income stability, and existing assets.
Q02How is the equity / debt split decided?+
Three layers in order. (1) A base equity rule — 100 − age, 110 − age, 120 − age, or custom. (2) Risk profile adjustment of ±15pp (conservative −15pp, balanced 0, aggressive +15pp). (3) A horizon cap (15% / 35% / 60% / 95% by horizon bucket). The recommended equity allocation is the minimum of the risk-adjusted base and the horizon cap. Every step is shown in the formula trace.
Q03Should I top up my emergency fund before investing?+
Advanced mode answers this. Enter monthly expenses, target months (typically 3-6), and current balance. The calculator computes the gap, then diverts a configurable share (default 50%) of your monthly investment to the emergency fund until it's funded. The remaining investable amount is the basis for the asset-allocation split — so you see the temporary cost in dollars.
Q04Why is every assumption editable?+
Because the model is the point. The formula trace shows the exact arithmetic for every output number. The input audit flags every input as used, defaulted, or unused — so there's no hidden default silently shaping the answer. Disagreement with the recommendation is fine; opacity is not.