Tools · Allocation

Crypto Allocation Calculator

A three-bucket framework for sizing your crypto allocation. Enter your total portfolio and your risk tolerance. Get a starting-point split across Foundation, Growth, and Speculation. Based on the framework in our Risk and Position Sizing tutorial.

Your inputs

Total portfolio size

All your investable assets combined. Stocks, bonds, crypto, cash, anything you consider part of your investment portfolio.

Risk tolerance

A moderate profile splits the portfolio 70 / 22 / 8 across the three buckets. Use Conservative if losses keep you up at night, Aggressive only if you can stomach 50 percent drawdowns without flinching.

Note. This tool sizes your full portfolio across three risk buckets, not just the crypto slice. Crypto sits inside multiple buckets: Bitcoin and Ethereum belong in Foundation, mid-cap names in Growth, and small-cap or early-stage tokens in Speculation. The bucket sizes here are the total dollar amounts, including whatever non-crypto assets you have.

Your allocation

Foundation

70%

$70,000

Index funds, blue-chip stocks, conservative bonds. If you hold crypto, Bitcoin and Ethereum live here. The goal is preservation plus modest growth. Boring on purpose.

Growth

22%

$22,000

Higher-conviction positions you have actually researched. Individual stocks. Crypto positions beyond Bitcoin and Ethereum. The goal is to outperform the foundation bucket, with higher variance.

Speculation

$8,000

Genuinely speculative positions. Small-cap crypto. Early-stage projects. Options. Things that might 10x or might go to zero. Treat this bucket as disciplined gambling money you can afford to lose entirely.

How this works

The framework comes from our Risk and Position Sizing tutorial. The published ranges are Foundation 60 to 80 percent, Growth 15 to 30 percent, and Speculation 5 to 10 percent maximum. The three risk tolerances on this tool sit at different points inside those bands:

Conservative: 80 / 15 / 5. Wider safety margin. Designed for someone who would lose sleep over a 30 percent drawdown.
Moderate: 70 / 22 / 8. Middle of the published range. A reasonable default for most people who want some upside without betting the house.
Aggressive: 60 / 30 / 10. At the edge of the published bands. Only appropriate for someone who can genuinely stomach the speculation bucket going to zero and the growth bucket halving, without panicking out.

These splits are a starting point, not a recommendation. The right number depends on your age, income, total assets, time horizon, and how you actually behave in a real drawdown. Most people overestimate their risk tolerance until the first time they see a 50 percent drop. Size accordingly.

One Digiverse does not give personalized financial advice. We publish frameworks. See our full Standards and Disclosures for the publication's editorial integrity rules, including the no-price-predictions and no-shilling commitments that apply to every tool here.