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Risk Tolerance Score Calculator

Work out risk tolerance score instantly with clear inputs, formula shown and shareable results.

About Risk Tolerance Score Calculator

Risk tolerance combines capacity — age, horizon and income stability — with willingness, measured by the loss you could hold through without selling. The equity allocation is scaled from the total score, since the ability to stay invested matters more than the theoretical optimum.

Formula

Score

Score = age component + horizon + loss tolerance + income stability, each out of 25

Worked example

With the default values below, Risk Tolerance Score Calculator returns Risk Tolerance Score Out Of 100 of 67.8. Change any input above and every figure here is recalculated in your browser.

Inputs used

Ageaccepts 18–90
35
Investment Horizon In Yearsaccepts 1–50
20
Loss You Could Accept Without Sellingaccepts 1–80 %
25 %
Income Stabilityone of Very stable, Stable, Variable, Uncertain
Stable

Results

Risk Tolerance Score Out Of 100
67.8
Indicative Equity Allocation
67.5%
Investor Profile
Growth
Drawdown You Said You Could Hold Through
25.0%

Step by step

  1. 1Values used
  2. 2Score
  3. 3Risk Tolerance Score Out Of 100= 67.8
  4. 4Indicative Equity Allocation= 67.5
  5. 5Investor Profile= Growth
  6. 6Drawdown You Said You Could Hold Through= 25.0

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 1 decimal place, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Why does the horizon matter so much?

Volatility averages out over long periods, and a long horizon means you are never forced to sell at a bad time.

Is the suggested allocation advice?

No. It is a starting point for discussion, not a recommendation for your circumstances.

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