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Finance Calculators

Rule of 110 Asset Allocation Calculator

Verified formula Updated Jun 2026 Private — runs on your device

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Verified formula Private

Suggested stock allocation

80%

Suggested bond allocation
30%

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Rule of 110 Asset Allocation Calculator

The Rule of 110 Asset Allocation Calculator works out your suggested stock allocation, along with 1 related figure in an instant. Enter your age and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the your age.
  2. Read off your suggested stock allocation, together with suggested bond allocation — the calculator updates automatically, with no button to press.

Worked example

For example, with your age of 30, the suggested stock allocation is 80%.

Inputs used
Your age 30
Results
Suggested stock allocation 80%
Suggested bond allocation 30%

Results are estimates for educational use, not professional advice.

Frequently asked questions

Subtract your age from 110 for a rough stock allocation. At 30, that suggests 80% stocks and 20% bonds.

With longer lifespans, 110 (or 120) keeps more in stocks for growth than the older rule of 100.

No. It is a starting guide. Your risk tolerance, goals and timeline should adjust the mix.

Yes. The rule naturally shifts toward bonds as you age, reducing risk near retirement.

Enter the your age. Read off your suggested stock allocation, together with suggested bond allocation — the calculator updates automatically, with no button to press.

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