Portfolio safety check
Enter what you hold and see it checked against the standard rules: six months of expenses in an emergency fund, equity roughly (100 − age) per cent, gold as a hedge not a holding, and no money you need within three years sitting in equity.
Total portfolio
₹21,00,000
Emergency fund covers
10.0 months
Cash plus half of debt holdings, against your monthly expenses
Equity share
57%
Rule of thumb at 35: about 65%
Looks fine
Emergency fund covers 10 months
At or above the six months most planners suggest.
Looks fine
Equity is 57.14% of your portfolio
Close to the 65% the rule of thumb suggests at 35.
Looks fine
Short-term money is held safely
What you need within three years is covered by cash and debt holdings.
- These are rules of thumb, not advice. Nothing here knows your job security, your family, your health or your tax position, and each of those matters more than a rule.
- The rules used: six months of expenses set aside; equity roughly (100 − age)%; gold 5-15% as a hedge; nothing you need within three years in equity; and no speculative asset large enough to change your plans if it went to zero.
How your money is spread
- Equity57% · ₹12,00,000
Rule of thumb at your age: about 65%
- Debt24% · ₹5,00,000
- Gold7% · ₹1,50,000
- Cash and liquid12% · ₹2,50,000
See the numbers
| Holding | Amount | Share |
|---|---|---|
| Equity | ₹12,00,000 | 57.1% |
| Debt | ₹5,00,000 | 23.8% |
| Gold | ₹1,50,000 | 7.1% |
| Cash and liquid | ₹2,50,000 | 11.9% |
Common questions
Is this financial advice?
No. It is a set of widely used rules of thumb, each named so you can disagree with it. Nothing here knows your job security, your family, your health or your tax position, and every one of those matters more than a rule of thumb.
Where does the (100 − age) equity rule come from?
It is an old planning heuristic: the share in equity falls as the years you can wait out a fall get fewer. It is a starting point for a conversation, not a target - somebody of 60 with a pension and no debt may sensibly hold far more equity than the rule says.
Does anything I enter get sent anywhere?
No. Every calculator on this site runs in your browser. Nothing you type is uploaded, saved or logged.
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