A starting point, not personal advice. Rebalance once a year back to your target split.
| Age | Equity (100 − age) | Debt | Equity (110 − age) |
|---|---|---|---|
| 25 years | 75% | 25% | 85% |
| 35 years | 65% | 35% | 75% |
| 45 years | 55% | 45% | 65% |
| 55 years | 45% | 55% | 55% |
| 65 years | 35% | 65% | 45% |
This calculator is also in our free app. Sign in with the same account to keep your history in sync.
The 100-minus-age rule is a simple guide to asset allocation. Subtract your age from 100 to get the percentage to hold in equities, and keep the rest in bonds and other safe debt.
As you get older, the equity share falls automatically, reducing risk when you have less time to recover from a market fall.
| Your Age | 35 yrs |
| Equity (stocks, equity funds) | 65% |
| Debt (FD, PPF, bonds, debt funds) | 35% |
| Aggressive version (110 − age) | 75% equity |
| Very aggressive (120 − age) | 85% equity |
| On ₹10 lakh | ₹6.5 lakh equity · ₹3.5 lakh debt |
Equity 65%, debt 35%.
Try this example →| Your Age | 55 yrs |
| Equity (stocks, equity funds) | 45% |
| Debt (FD, PPF, bonds, debt funds) | 55% |
| Aggressive version (110 − age) | 55% equity |
| Very aggressive (120 − age) | 65% equity |
| On ₹10 lakh | ₹4.5 lakh equity · ₹5.5 lakh debt |
Equity 45%, debt 55%.
Try this example →No. It is a rule of thumb. Your goals, risk tolerance and income matter more.
Yes. Review once a year and bring your holdings back to your target split.
Debt steadies your portfolio and gives you money to draw on when equities fall.
With longer lives and low FD returns, many planners now suggest 110 or 120 minus age for equity. The calculator shows all three.