Asset Allocation Calculator

A rule-of-thumb split between equity, debt and gold.

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About this calculator

How you divide money between equity, debt and gold matters more for your experience than any single fund. Get a simple starting split based on age, time frame and comfort with volatility.

How is this calculated?

Starts from “100 minus age” in equity (kept between 20% and 80%), adjusts for your comfort with swings, caps equity for money needed within 3, 5 or 7 years, and keeps 5–10% in gold. A rule of thumb for education, not a recommendation.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.