Stock Portfolio Allocation Calculator

How it is calculated

Each class gets its share of the weights you typed, applied to the total amount.

sum = stocks% + bonds% + cash%
amountclass = total × (class% ÷ sum)

The total is in dollars and the weights are plain numbers in percent. Because every weight is divided by the sum of the three, the three dollar amounts always add up to the total even when your percentages do not add to 100. For instance, 60 / 40 / 10 on $50,000 is treated as 54.5% / 36.4% / 9.1% and gives $27,272.73, $18,181.82 and $4,545.45. The last result line shows the sum of the weights you entered, not 100%, so it flags a typo. Weights cannot be negative, they cannot all be zero, and a total of zero simply gives zero in each class. Amounts are rounded to cents.

Common mistakes

• Typing weights as decimals, such as 0.6, 0.3 and 0.1. The split is still correct, because weights are rescaled, but the weight total shows 1.00%, which looks like an error.
• Expecting the tool to reject weights that add up to more or less than 100. It quietly rescales them, so a 60 / 40 / 10 slip changes your real stock share from 60% to about 54.5%. Check the weight total line.
• Leaving the cash weight blank because you hold no cash. A blank field gives no result; enter 0 instead.
• Using the result as a rebalancing order. It splits a new total by target weights and ignores what you already hold, so it does not say what to buy or sell.
• Reading the amounts as a recommendation. They only apply the percentages you chose; picking a suitable mix for your age and risk tolerance is a separate decision.