Investment Allocation Calculator

A portfolio with discipline

Investing well is less about picking winners than holding a sensible mix. This investment allocation calculator splits your monthly contribution across bonds, index funds, individual stocks, and a small speculative slice, then checks it against time-tested allocation rules.

The guardrails

Drawing on Benjamin Graham’s classic guidance, it keeps bonds and index funds each at a quarter or more, caps individual stocks, and limits speculation to a small share — guardrails that curb the urge to over-concentrate. One click applies a balanced 30/45/15/10 split.

Your real monthly contribution

The amount invested is not hypothetical — it is your 401(k) from the Income calculator plus the brokerage amount from your Budget, divided across your chosen allocation, so the plan reflects what you are truly putting in.

It connects to the rest

Change your 401(k) in Income or your brokerage line in Budget and the contribution here updates automatically.

Set the mix, then keep it there

Markets drift, and last year’s winners quietly grow into an oversized, riskier slice of a portfolio. The discipline these guardrails encourage is periodic rebalancing — trimming what has run up and topping up what lagged — so your allocation keeps matching your plan instead of the market’s mood.

Where new money lands

Your monthly investing amount flows into the Opportunity reserve as dry powder rather than being auto-split across the whole portfolio — you decide when to deploy it on a rebalance. 401(k) contributions arrive separately from the Income module and stay tagged as retirement. Budget reads the same planned figure, so your savings rate reflects what you actually intend to invest.

Frequently asked questions