Wealth Bucket Strategy Calculator
Allocate your retirement corpus across 5 risk-adjusted buckets with sequential withdrawals.
Your Retirement Details
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₹
%
yrs
Bucket Allocations
Total must equal 100%. Adjust to match your risk profile.
Bucket 1 — Safety
Liquid funds, savings account
%
Expected return: % p.a.
Bucket 2 — Income
FDs, short-term debt funds
%
Expected return: % p.a.
Bucket 3 — Balanced
Hybrid funds, balanced advantage
%
Expected return: % p.a.
Bucket 4 — Growth
Large-cap equity, index funds
%
Expected return: % p.a.
Bucket 5 — Legacy
Small-cap, international funds
%
Expected return: % p.a.
Corpus Allocation
Total Corpus
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Monthly Expense (Yr 1)
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Monthly Expense (Final Yr)
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Corpus at End of Period
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Total Withdrawn
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Year-by-Year Bucket Values
| Year | B1 Safety | B2 Income | B3 Balanced | B4 Growth | B5 Legacy | Total |
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Frequently Asked Questions
- What is the Wealth Bucket Strategy?
- The Wealth Bucket Strategy divides your retirement corpus into 5 buckets by risk level. You withdraw from the safest bucket (Bucket 1) for daily expenses while aggressive buckets grow untouched. As time passes, higher buckets refill lower ones — giving you security now and growth for the future.
- How does sequential withdrawal work?
- Monthly expenses are drawn from Bucket 1 (Safety). When Bucket 1 runs low, it is refilled from Bucket 2 (Income). Bucket 2 is then topped up from Bucket 3, and so on. This ensures you never liquidate equities during a market downturn and always have liquid money available.
- What return should I expect from each bucket?
- Typical returns: Safety ~4–5%, Income ~7–8%, Balanced ~10–11%, Growth ~12–14%, Legacy ~15%+. The default values in this calculator reflect conservative estimates. Adjust them based on your actual portfolio.
- How much should I keep in each bucket?
- A common starting allocation: 10% Safety, 20% Income, 25% Balanced, 30% Growth, 15% Legacy. Younger retirees can hold more in growth buckets; older retirees may want more in safety and income buckets.