Get a recommended split across US stocks, international stocks, bonds, and cash based on your time horizon and risk tolerance.
Risk tolerance
Aggressive Growth · Moderate risk
30 years to retirement · age 35 → 65
Allocation breakdown
equities
85%
U.S. stocks
55% · $55,250
Intl. stocks
30% · $29,750
Bonds
13% · $13,000
Cash
2% · $2,000
How allocation shifts over time
Highlighted bar = today · hover any bar to inspect
Equities
Bonds
Cash
Total equities
85%
55% U.S. · 30% international · $85K
Bonds
13%
Ballast against equity drawdowns · $13.0K
Cash
2%
Liquidity buffer — rebalancing dry powder · $2,000.00
Starting point, not a prescription. This uses standard age-bucket and risk-tolerance heuristics. It does not account for existing debt, Social Security, pension income, or tax-advantaged account mix. Review with an advisor before acting on any specific allocation.
Use this if you want to understand how the calculator works, not just plug in numbers.
Step 1
Enter your current age and the age at which you plan to retire.
Step 2
Select your risk tolerance — conservative, moderate, or aggressive.
Step 3
Enter your current portfolio value to see dollar amounts alongside percentages.
Step 4
Review the recommended split and the glide path showing how your allocation should shift over time.
These cover the assumptions, tradeoffs, and edge cases behind the calculator.
Use the calculator for the math, then use these guides to make the decision with more confidence.
Compound Interest
Project long-term portfolio growth using principal, recurring contributions, and configurable compounding frequency.
DCA
Compare dollar-cost averaging and lump-sum investing with preset bull/bear/sideways/volatile paths or your own historical monthly prices.
Investment Return
Calculate total return, CAGR, and dollar gain from initial investment, final value, holding period, and dividends received.
Retirement
Project retirement savings, estimate sustainable monthly income at a 4% withdrawal rule, and quantify any gap to your target.