Portfolio Allocation Analyzer

Compare your current mix against age-based and risk-based benchmarks. Spot concentration risk and drift.

Your Age

Portfolio Size ($)

Your Risk Tolerance

ConservativeSleep well

ModerateBalanced

AggressiveGrowth first

Your Current Allocation

Stocks / Equities70%

Bonds / Fixed Income20%

Cash / Money Market5%

Alternatives (REITs, commodities)5%

Total: 100%

Your Current Mix

Benchmark Target

Asset

You

Benchmark

Gap

Stocks

—

Bonds

—

Cash

—

Alternatives

—

Alignment Score

—

Benchmarks use both age ("100 minus age" for stocks baseline) and risk tolerance. No allocation is universally correct — the best portfolio is the one you'll actually stick with through a 30% drawdown.

Portfolio Allocation Analyzer

The Portfolio Allocation Analyzer checks whether your current investment mix matches what someone in your position should actually be holding. Enter your age, portfolio size, and current allocation across stocks, bonds, cash, and alternatives, then select your risk tolerance from conservative to aggressive. The calculator builds a personalized benchmark using a modified age-based rule and renders two side-by-side donut charts so you can see your mix next to the target at a glance. A comparison table breaks down each asset class with exact percentage gaps, flagging where you're overweight, underweight, or on target. An alignment score from 0 to 100 summarizes the full drift, and a live total validator catches the common mistake of allocations that don't sum to 100%. It's the calculator that turns the vague question "is my portfolio allocated correctly" into a concrete, numerical answer you can act on today.