This portfolio allocation by age calculator works out how to split your money between stocks and bonds using the classic “110 minus your age” rule (or the 100/120 variants).
A quick rule of thumb, not a personalized plan
The idea is simple: subtract your age from a base number (100, 110 or 120) to get the percentage that goes into stocks, with the rest in bonds. As you get older, the rule automatically shifts you toward more bonds and less risk — which broadly matches how most people’s ability to recover from a market drop declines as retirement approaches.
Example: age 35, base 110
At age 35 with a base of 110, the rule points to 75% in stocks and 25% in bonds. On a €20,000 portfolio, that’s €15,000 in stocks and €5,000 in bonds. Switch to the conservative (100) or aggressive (120) base to see how the split shifts.
For guidance only — not financial advice.