Free asset allocation calculator online: visualize your mix
Last updated: April 20265 min readCalculator Tools
Knowing your target allocation is easy. Knowing your actual allocation across every account? That is the hard part. When you have a 401k at one brokerage, a Roth IRA at another, and a taxable account somewhere else, no single dashboard shows the full picture.
Our free asset allocation calculator lets you add all your holdings in one place and see a pie chart of where your money actually sits.
How to use it
- List every holding. Open each account — 401k, IRA, Roth, taxable, HSA — and note each fund or stock with the number of shares and current price.
- Enter them in the calculator. Add each holding with its name, share count, and price per share.
- Read the pie chart. The tool calculates the dollar value and percentage of each holding. Look at the chart and compare it to your target allocation.
The whole process takes 2-3 minutes if you have your account logins ready.
What to look for in your results
Once you see your allocation pie chart, check for these common issues:
- Too much in one stock. If a single company is over 10% of your total portfolio, you are exposed. Company-specific risk is real.
- US stocks too heavy. Many Americans have 95%+ in US equities. International stocks (VXUS, IXUS) provide geographic diversification.
- Bonds too low for your age. The guideline is roughly "110 minus your age" in stocks. If you are 45 and have 95% stocks, you are taking more risk than standard advice suggests. Check our allocation by age guide for specifics.
- Sector concentration. Owning QQQ, AAPL, MSFT, and GOOG means tech is a massive chunk of your portfolio. The pie chart makes this obvious.
- Duplicate exposure. Owning both VTI and VOO gives you double exposure to S&P 500 companies. Not necessarily bad, but worth knowing.
Example: checking a real portfolio
Let's say you enter these holdings across two accounts:
- 401k: Fidelity 500 Index (FXAIX) — 200 shares at $195 = $39,000
- 401k: Fidelity US Bond Index (FXNAX) — 150 shares at $10.50 = $1,575
- Roth IRA: VTI — 50 shares at $280 = $14,000
- Roth IRA: VXUS — 30 shares at $62 = $1,860
Total: $56,435. The pie chart shows: US stocks 93.9%, international stocks 3.3%, bonds 2.8%.
If this person is 35, they are heavily overweight US stocks and massively underweight bonds and international. The visualization makes that obvious at a glance.
Allocation by age: quick reference
Not sure what your target should be? Here are the common guidelines:
- 20s: 90% stocks / 10% bonds
- 30s: 80% stocks / 20% bonds
- 40s: 70% stocks / 30% bonds
- 50s: 60% stocks / 40% bonds
- 60s: 50% stocks / 50% bonds
Read the full breakdown: asset allocation by age chart and guide.
After checking allocation: what next?
If your allocation is off target, you have options:
- Rebalance — sell overweight positions and buy underweight ones. See our rebalancing guide.
- Direct new contributions — instead of selling, put future DCA contributions into the underweight asset class.
- Use a target date fund — if managing allocation feels like a chore, one fund does it automatically.
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