---
title: "Asset Allocation Calculator by Risk Profile | RupeeCase"
description: "Asset allocation calculator: from the fall you could sit through, your horizon and age, a textbook equity, debt and gold split with its estimated bad year fall."
source_url: "https://www.rupeecase.com/learn/tools/asset-allocation-calculator"
---

Profile**Balanced**
Equity**51.1%**
Debt**38.9%**
Gold**10.0%**
Estimated fall in a bad year**30.0%**
The 100 minus age rule says equity**65.0%**

A textbook split for learning, not a recommendation.
      Share this resultReset

  01How it works

## In plain words.
The calculator assumes a bad year in which equity falls 50%, gold 25% and debt 5%. It solves for the equity share whose blended fall matches your answer, keeps gold at 10% (5% for small equity shares), and caps equity on short horizons: 20% under 3 years, 40% under 5, 60% under 7.

    The formula

`Bad year fall = 50% x equity + 25% x gold + 5% x debt``Equity = (your fall - 25% x gold - 5% x (1 - gold)) / 45%, between 10% and 90%``Debt = 1 - equity - gold`

  02Worked example

## The default numbers, by hand.
A 30% fall, a 10 year horizon: equity 51%, gold 10%, debt 39%, an estimated bad year fall of 30%. The 100 minus age rule at 35 would say 65% equity.

| Input | Value |
| --- | --- |
| Largest fall in a year you could sit through | 30% |
| Horizon | 10 years |
| Age | 35 |
| Emergency fund in place? | Yes |

| Result | Value |
| --- | --- |
| Profile | Balanced |
| Equity | 51.1% |
| Debt | 38.9% |
| Gold | 10.0% |
| Estimated fall in a bad year | 30.0% |
| The 100 minus age rule says equity | 65.0% |

  03Key concepts

## What to know before you use it.

### Capacity and tolerance
Risk profile has two parts: how much loss your finances can absorb (capacity) and how much you can sit through without selling (tolerance). The RupeeCase risk profile questionnaire asks 28 questions on both.

### Rebalancing keeps the split
A split drifts as assets move. The drift calculator shows when a band rule would trade it back.

### Good to know

* These are teaching numbers. A real bad year can be worse than the assumption: equity indices have fallen more than 50% from peak in past crises.
* Multi asset RupeeCase strategies hold equity, debt and gold ETFs in one index; their pages show the model, back tested drawdowns.

  04Assumptions

## What the calculator assumes.

* Bad year falls of 50%, 25% and 5% for equity, gold and debt; not a forecast.
* A textbook starting point for learning, not a recommendation for you.

  05Questions

## Asked about the Asset allocation by risk profile.
What is a good asset allocation for my age?Rules of thumb such as 100 minus age give a starting point. The fall you can sit through and the horizon of the money matter at least as much; this calculator starts from those.

Why include gold?Gold has often moved differently from equity in crises, which can reduce the depth of a portfolio’s fall. Module 6.9 covers the evidence.

    Explore next

## Learn the idea behind the numbers.

* [Blog noteSEBI's overlap cap and the overlap you ownCosts: MF, PMS, RupeeCase, a short note](/blog/2026-07-21-morning-overlap-cap/)
* [Blog noteOne profile, many goalsPortfolio construction, a short note](/blog/2026-07-15-evening-one-profile-many-goals/)
* [Free module 4.1Modern Portfolio Theory, What Actually Matters11 min read](/learn/path-4/module-4-1-modern-portfolio-theory)
* [Free module 6.9Gold, Commodities, and International Investing for Indian Investors8 min read](/learn/path-6/module-6-9-gold-commodities-international)
* [StrategyDynamic Asset Allocator strategyNifty Total Market plus debt and gold, 52 stocks, every 3 weeks](/strategies/dynamic-asset-allocator)
* [Free module 3.6Combining Factors10 min read](/learn/path-3/module-3-6-combining-factors-multi-factor-construction)

      Community

## Join my WhatsApp group.

      Scan the code, fillFill one short form, and join my WhatsApp group. Slides, sources, factsheets and the rebalance logs live there, and members join a daily Google Meet with me.

        [Sign up for RupeeCase](https://invest.rupeecase.com/signup)
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06Keep going

## Learn the idea, see it applied.

  [Module 4.1Modern Portfolio Theory: What Actually Matters11 min read, Path 04](/learn/path-4/module-4-1-modern-portfolio-theory)[Module 6.9Gold, Commodities, and International Investing for Indian Investors8 min read, Path 06](/learn/path-6/module-6-9-gold-commodities-international)[Module 3.6Combining Factors10 min read, Path 03](/learn/path-3/module-3-6-combining-factors-multi-factor-construction)[The matching indexDynamic Asset AllocatorOne fixed equity core, two regime switches. The machine decides how much risk to carry.CAGR45.2%Sharpe2.32Max DD−10.6%Model, back tested, as of 27 Apr 2026. Not client returns, not a promise. Risk band: Moderately High.](/strategies/dynamic-asset-allocator)

  More rebalancing and allocation calculators

[Rebalance cost at 0.2%](/learn/tools/rebalance-cost-calculator)[Drift and rebalance band](/learn/tools/drift-threshold-calculator)[All 25 calculators](/learn/tools)

  Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.