Asset Allocation Calculator
This asset allocation calculator helps you inspect your current portfolio mix, compute the precise dollar trades needed to rebalance to a target allocation, and view risk-based target suggestions. It accepts per-asset percentage inputs and expected-return assumptions and reports values in currency and percent formats.
Use this tool to prepare a rebalancing plan, estimate expected portfolio return under your assumptions, and quantify total trade volume needed. It is intended for planning and illustration, not as personalized financial advice.
Governance
Record 10971bec4c09 • Reviewed by Fidamen Standards Committee
Calculate target values and required trades (buy/sell amounts) to move from current allocation to a specified target allocation.
Inputs
Results
Equities — target value
$60,000.00
Equities — trade amount
$0.00
Bonds — target value
$30,000.00
Bonds — trade amount
$0.00
Cash — target value
$5,000.00
Cash — trade amount
$0.00
Alternatives — target value
$5,000.00
Alternatives — trade amount
$0.00
Total trade volume
$0.00
| Output | Value | Unit |
|---|---|---|
| Equities — target value | $60,000.00 | USD |
| Equities — trade amount | $0.00 | USD |
| Bonds — target value | $30,000.00 | USD |
| Bonds — trade amount | $0.00 | USD |
| Cash — target value | $5,000.00 | USD |
| Cash — trade amount | $0.00 | USD |
| Alternatives — target value | $5,000.00 | USD |
| Alternatives — trade amount | $0.00 | USD |
| Total trade volume | $0.00 | USD |
Visualization
Methodology
Calculations are deterministic algebraic computations based on user inputs. Current asset values are calculated as total portfolio value multiplied by the asset's percentage. Target values use the same approach with target percentages.
Rebalance amounts equal target value minus current value for each asset class. Total trade volume is the sum of absolute buy and sell amounts. Expected portfolio return is a weighted average of per-asset expected returns using current allocation weights.
This tool is designed for transparency and auditability. For secure handling of user data and calculation integrity we recommend following recognized standards for data protection and numerical accuracy. See citations to NIST, ISO, and IEEE below for guidance on security, information management, and numeric software practices.
Worked examples
Example 1: Total = $100,000; Current equities 60% ($60,000); Target equities 50% ($50,000). Rebalance: sell $10,000 of equities. Total trade volume includes absolute buys/sells across all assets.
Example 2: If expected returns are equities 7%, bonds 3%, cash 0.5%, and current allocation is 60/30/10, portfolio expected return = (60×7 + 30×3 + 10×0.5) / 100 = 5.05%.
F.A.Q.
Is this calculator providing financial advice?
No. This tool performs mechanical calculations for analysis and planning. It does not consider taxes, transaction costs, timing, legal constraints, or your full financial situation. Consult a licensed advisor for personalized advice.
How accurate are the expected-return estimates?
Expected returns are user-provided assumptions. Past performance and historical averages are not guarantees of future returns. Use the expected-return fields to run sensitivity checks; always treat results as illustrative.
Does the tool handle fractional shares, transaction costs, or taxes?
No. Calculations produce dollar amounts for required trades. Implementation of actual trades must consider fractional shares, commissions, spreads, and tax implications which are not modeled here.
How should I choose a rebalance threshold?
A common approach is a percentage band (for example ±5%) around target weights; when an asset deviates beyond that band, rebalance to target. Consider costs and tax implications when setting a threshold.
What are the security and data considerations?
Protect sensitive inputs and outputs, follow organizational security practices and standards (see citations). Do not paste private account credentials into calculators and avoid storing sensitive data without proper controls.
Sources & citations
- NIST - Cybersecurity and privacy best practices — https://www.nist.gov
- ISO - Information security management and general standards — https://www.iso.org
- IEEE - Numeric computing and software engineering guidance — https://www.ieee.org
- OSHA - Workplace safety & risk-management principles (for operational teams) — https://www.osha.gov
- SEC — Investor.gov Educational Resources — https://www.investor.gov/
- CFA Institute — Global Investment Performance Standards (GIPS) — https://rpc.cfainstitute.org/gips-standards
- FINRA — Investment Products — https://www.finra.org/investors/investing/investment-products
Further resources
Versioning & Change Control
Audit record (versions, QA runs, reviewer sign-off, and evidence).
Record ID: 10971bec4c09What changed (latest)
v1.0.0 • 2025-11-14 • MINOR
Initial publication and governance baseline.
Why: Published with reviewed formulas, unit definitions, and UX controls.
Public QA status
PASS — golden 25 + edge 120
Last run: 2026-01-23 • Run: golden-edge-2026-01-23
Versioning & Change Control
Audit record (versions, QA runs, reviewer sign-off, and evidence).
What changed (latest)
v1.0.0 • 2025-11-14 • MINOR
Initial publication and governance baseline.
Why: Published with reviewed formulas, unit definitions, and UX controls.
Public QA status
PASS — golden 25 + edge 120
Last run: 2026-01-23 • Run: golden-edge-2026-01-23
Engine
v1.0.0
Data
Baseline (no external datasets)
Content
v1.0.0
UI
v1.0.0
Governance
Last updated: Nov 14, 2025
Reviewed by: Fidamen Standards Committee (Review board)
Credentials: Internal QA
Risk level: low
Reviewer profile (entity)
Fidamen Standards Committee
Review board
Internal QA
Entity ID: https://fidamen.com/reviewers/fidamen-standards-committee#person
Semantic versioning
- MAJOR: Calculation outputs can change for the same inputs (formula, rounding policy, assumptions).
- MINOR: New features or fields that do not change existing outputs for the same inputs.
- PATCH: Bug fixes, copy edits, or accessibility changes that do not change intended outputs except for previously incorrect cases.
Review protocol
- Verify formulas and unit definitions against primary standards or datasets.
- Run golden-case regression suite and edge-case suite.
- Record reviewer sign-off with credentials and scope.
- Document assumptions, limitations, and jurisdiction applicability.
Assumptions & limitations
- Uses exact unit definitions from the Fidamen conversion library.
- Internal calculations use double precision; display rounding follows the unit's configured decimal places.
- Not a substitute for calibrated instruments in regulated contexts.
- Jurisdiction-specific rules may require official guidance.
Change log
v1.0.0 • 2025-11-14 • MINOR
Initial publication and governance baseline.
Why: Published with reviewed formulas, unit definitions, and UX controls.
Areas: engine, content, ui • Reviewer: Fidamen Standards Committee • Entry ID: 59127dd11af0