Asset Allocation Return Calculator
Weighted return of a portfolio allocation.
Calculate weighted average return of a portfolio across equity, bond, and cash allocations. Enter equity return to see weighted portfolio return.
What this tool does
Enter allocation percentages and expected returns. The tool shows weighted portfolio return.
Enter Values
Formula Used
Spotted something off?
Calculations, display, or translation — let us know.
Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
60% equity at 8%, 30% bonds at 4%, 10% cash at 3% = 6.3% weighted return. Standard portfolio construction arithmetic. Higher equity share boosts expected return but raises volatility proportionally.
Run it with sensible defaults
Using equity of 60%, equity return of 8%, bond of 30%, bond return of 4%, the calculation works out to 6.30%. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.
The levers in this calculation
The inputs — Equity %, Equity Return, Bond %, Bond Return, and Cash Return — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
How the math works
Weighted average. Cash share = 100 - equity - bond. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".
Where this fits in planning
This is a "what-if" tool, not a forecast. Use it to test ideas before committing: what happens if the rate is 2% lower than hoped, what happens if you add five more years. The value is in the scenarios you run, not the single answer you get from the defaults.
What this doesn't capture
Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.
Related calculations worth running
Plans get firmer when you triangulate. Alongside this one, the 100 minus age rule calculator, the portfolio concentration risk calculator, and the asset allocation calculator tend to come up in the same conversations. Running two or three together exposes inconsistencies in any single assumption — which is usually where the useful insight lives.
Asset allocation return produces a weighted figure based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Weighted average. Cash share = 100 - equity - bond.
References
Frequently Asked Questions
Typical allocation?
Why not 100% equity?
Real vs nominal?
Rebalancing?
Related Calculators
100 Minus Age Asset Allocation Calculator
Calculate stock vs bond allocation using 100-minus-age rule. Shows stock and bond allocation percentages from the values you enter.
Portfolio Concentration Risk Calculator
Calculate portfolio concentration risk: largest holding as percentage of total portfolio value. Enter portfolio total and see the result instantly.
Asset Allocation Calculator
Calculate recommended portfolio asset allocation by age and risk tolerance (stocks/bonds/cash). Enter risk tolerance 1-10 to see recommended stock and bond.
More Investing Calculators
Investing
100 Minus Age Asset Allocation Calculator
Calculate stock vs bond allocation using 100-minus-age rule. Shows stock and bond allocation percentages from the values you enter.
Investing
409A Valuation Impact Calculator
Calculate 409A valuation impact on stock option exercise and exit profits. Enter strike price and 409a fmv for an instant result.
Investing
Active vs Passive Investing Calculator
Compare active and passive investment strategies accounting for fees over long horizons. Enter initial investment to see difference and passive.
Investing
Hotel ADR Calculator
Calculate hotel ADR, RevPAR, and occupancy from revenue and rooms data. Enter room revenue and rooms sold total for an instant result.
Investing
After Repair Value (ARV) Calculator
Calculate real estate flip profit with ARV, repair costs, and the 70% rule check. Enter purchase price and after repair value arv for an instant result.
Investing
Agricultural Land Calculator
Calculate agricultural land investment IRR including lease income and appreciation. Enter land purchase price and lease rate for an instant result.
Explore Other Financial Tools
Green & Sustainable Finance
The Eco-Anxiety Savings Planner
Calculate annual savings from sustainable lifestyle choices. Quantify green spending impact, track eco-friendly investments, and plan environmental fund growth.
Money Insights
Minimum Wage Mirror Calculator
Compare hourly wages to global averages. Calculate annual income and see earnings as a multiple of typical worldwide wages.
Financial Health
Professional Indemnity Calculator
Calculate professional indemnity insurance cover from fee income, largest contract, and claims history. Free and runs in your browser.