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Bucket Strategy Planner

Segment your retirement corpus into 5 time-based buckets for sustainable income.

Client Details

years
25 years80 years
years
45 years75 years
years
65 years100 years
Rs.
Rs.10,000Rs.10,00,000
% p.a.
3 % p.a.10 % p.a.

Your Retirement Corpus

Add all sources of money you will have at retirement

Rs.
Rs.0Rs.10,00,00,000
Rs.
Rs.0Rs.10,00,00,000
Rs.
Rs.0Rs.10,00,00,000
Rs.
Rs.0Rs.10,00,00,000
Total Retirement CorpusRs. 55.0 L

Regular Income

Monthly income you will receive after retirement

Rs.
Rs.0Rs.5,00,000
Monthly IncomeRs. 25,000

Lumpsum Events

One-time investments or withdrawals during retirement

Scenario Tuning

Include Emergency Bucket (B0)

6 months of expenses reserved in Bank FD/Liquid Fund

Retirement HHE Override

Auto-calculated: Rs. 63,814/month at retirement

Leave Legacy
Customize Returns
Total Corpus
Rs. 55.0 L
Monthly Income
Rs. 25,000
Monthly Gap
Rs. 38,814
Bucket Duration
Sustainable

Gap Analysis

39.2% covered by income

Your income covers 39.2% of retirement expenses. The remaining 60.8% (Rs. 38,814/month) will be funded from bucket withdrawals.

Bucket Distribution

B0
Emergency
Rs. 4.00 L
Return: 5% p.a.
Bank FD, Liquid Fund
B1
Short-Term
Rs. 15.00 L
Return: 6% p.a.
Liquid Fund, Ultra Short Duration
B2
Medium-Term
Rs. 13.00 L
Return: 7% p.a.
Equity Savings Fund, BAF
B3
Growth
Rs. 13.00 L
Return: 10% p.a.
Multi-Asset Fund, Flexi Cap
B4
Equity
Rs. 10.00 L
Return: 12% p.a.
Multi Cap Fund, Flexi Cap

Corpus Depletion Over Time

YrAgeMo. ExpenseMo. IncomeMo. GapAnn. WithdrawalActiveB0B1B2B3B4TotalEvents
16063,81425,00038,8144.7 LB14.2 L11.1 L13.9 L14.4 L11.3 L54.9 L
26167,00525,00042,0055.0 LB14.4 L6.6 L14.9 L15.9 L12.7 L54.6 L
36270,35525,00045,3555.4 LB14.6 L1.5 L16.0 L17.5 L14.3 L54.0 L
46373,87325,00048,8735.9 LB14.9 L12.6 L019.4 L16.1 L53.0 LB2->B1: Rs. 15.92 L
56477,56625,00052,5666.3 LB15.1 L6.9 L20.2 L66K18.2 L51.0 LB3->B2: Rs. 18.92 L
66581,44525,00056,4456.8 LB15.4 L35K21.6 L73K20.5 L48.6 L
76685,51725,00060,5177.3 LB15.7 L15.9 L080K23.1 L45.4 LB2->B1: Rs. 21.50 L
86789,79325,00064,7937.8 LB16.0 L8.9 L86K026.0 L41.7 LB3->B2: Rs. 0.81 L
96894,28225,00069,2828.3 LB16.3 L88K92K28.8 L036.8 LB4->B3: Rs. 26.25 L
106998,99725,00073,9978.9 LB36.6 L0024.5 L031.0 LB2->B1: Rs. 0.34 L
11701,03,94625,00078,9469.5 LB26.9 L016.5 L0023.4 LB3->B2: Rs. 23.87 L
12711,09,14425,00084,14410.1 LB17.3 L7.2 L00014.4 LB2->B1: Rs. 15.76 L
13721,14,60125,00089,6017.3 LDepleted7.7 L00007.7 L
14731,20,33125,00095,3310Depleted8.0 L00008.0 L
15741,26,34825,0001,01,3480Depleted8.5 L00008.5 L
16751,32,66525,0001,07,6650Depleted8.9 L00008.9 L
17761,39,29825,0001,14,2980Depleted9.3 L00009.3 L
18771,46,26325,0001,21,2630Depleted9.8 L00009.8 L
19781,53,57625,0001,28,5760Depleted10.3 L000010.3 L
20791,61,25525,0001,36,2550Depleted10.9 L000010.9 L
21801,69,31825,0001,44,3180Depleted11.4 L000011.4 L
22811,77,78425,0001,52,7840Depleted12.0 L000012.0 L
23821,86,67325,0001,61,6730Depleted12.6 L000012.6 L
24831,96,00625,0001,71,0060Depleted13.2 L000013.2 L
25842,05,80725,0001,80,8070Depleted13.9 L000013.9 L

Expert Insights

Income Covers Only 39% of Expenses
Your corpus has heavy lifting — funding Rs. 38,814/month. Consider increasing income sources aggressively before retirement.
Corpus is Sustainable
Your bucket strategy sustains withdrawals through age 85. Remaining corpus of Rs. 14 L provides a buffer beyond life expectancy.
Corpus May Be Insufficient
Your corpus covers roughly 12 years of the gap at current levels (before growth). With 25 years of retirement, consider adding more corpus or reducing the gap.
Annual Review Recommended
Review your bucket strategy every year. Rebalance if any bucket deviates by more than 10% from plan. Adjust for actual inflation and returns experienced.

Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. This calculator is for educational purposes only and does not constitute financial advice. The bucket strategy is a framework -- actual implementation should consider tax implications, rebalancing costs, and individual risk tolerance. Consult a SEBI-registered investment advisor or CFP for personalised advice.

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