Asset Allocation Calculator with CSV Import & Tax Optimization
Import your portfolio from Vanguard, Fidelity, Schwab CSV files - save 5-10 minutes vs manual entry. Automatic classification for 500+ tickers. Interactive sliders, famous portfolio presets, personalized risk assessment, Monte Carlo simulation, and tax-efficient asset placement.
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🆕 CSV Import Feature: Upload your portfolio holdings directly from your brokerage (Vanguard, Fidelity, Schwab, etc.). Automatically classifies 500+ common tickers to your asset classes. 100% client-side - your data never leaves your browser. Save 5-10 minutes vs manual entry!
Tax Optimization Feature: Learn how to minimize taxes by strategically placing tax-inefficient assets (bonds, REITs) in tax-deferred accounts and growth assets in Roth IRAs. Potential savings: $2,000-$5,000+ annually for typical investors.
Enable Smart Defaults
Get personalized default values based on your location, age, and income. All data is stored locally on your device.
- Auto-fill calculator fields with realistic values
- Region-specific tax rates and costs
- Age and income-appropriate suggestions
- Learn from your calculator usage
Privacy: No data is sent to our servers. Everything stays on your device.
Choose Your Approach
🌟 Famous Portfolio Presets
Click any strategy to instantly load it. All sliders automatically adjust to maintain 100%.
🎚️ Interactive Allocation
Drag any slider - others auto-adjust proportionally
Total Allocation:
100.0%
📈 Your Portfolio Allocation
🎯 Diversification Score
💡 Suggestions to Improve:
- •Good diversification - minor improvements possible.
- •Add real estate (REITs) for additional diversification
💡 How to Use This Tool
📤 CSV Import (NEW - 2 minutes)
Fastest way to get started! Download your holdings as CSV from your brokerage (Vanguard, Fidelity, Schwab, etc.), then drag-and-drop or paste it into the import tool. Automatically detects your current allocation in seconds. Supports 500+ common tickers with 95%+ accuracy.
⚡ Quick Mode (5 minutes)
Start with famous portfolio presets like 60/40 or All Weather, then adjust with interactive sliders. Perfect for beginners or those who want instant results.
📊 Detailed Mode (15 minutes)
Answer questions about your age, risk tolerance, and goals to receive a personalized allocation recommendation. Compare multiple strategies side-by-side.
🎯 Advanced Mode (30 minutes)
Run Monte Carlo simulations with 1,000 scenarios to see probability distributions of future portfolio values. Understand best-case, worst-case, and median outcomes.
💰 Tax Optimization (20 minutes)
Optimize asset placement across taxable, traditional, and Roth accounts to minimize tax drag. Get personalized recommendations for which assets to hold in which account types, with annual savings estimates and step-by-step rebalancing instructions.
⚠️ Important Disclaimers
- • Not financial advice: This calculator provides educational information only. Consult a licensed financial advisor before making investment decisions.
- • Historical returns: Past performance does not guarantee future results. Market conditions change over time.
- • Simplified calculations: Real portfolio analysis requires consideration of correlations, tax implications, and individual circumstances.
- • Risk assessment: No questionnaire can fully capture your personal risk tolerance. Consider your complete financial situation.
- • Rebalancing: Regular portfolio rebalancing and annual review are essential for maintaining target allocation.
Key Financial Terms
Understand the essential concepts behind this calculator
Asset Allocation
The mix of different investment types in your portfolio, determining both risk and potential returns
Glide Path
Automatic asset allocation shift in target-date funds from aggressive (stocks) to conservative (bonds) as retirement approaches. "Set and forget" strategy.
Target Date Fund
A mutual fund that automatically adjusts its asset allocation from aggressive to conservative as you approach your target retirement date.
Frequently Asked Questions
Common questions about the Asset Allocation Calculator with CSV Import & Tax Optimization
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⚠️ Important Disclaimer
This Asset Allocation Calculator with CSV Import & Tax Optimization provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.