3 BUCKET CALCULATOR
Make your money last a lifetime—and beyond!
Strategically allocate your retirement corpus across short, mid, and long-term buckets to balance liquidity, stability, and growth. Secure your future, manage risks, and build a legacy!
To begin, let’s use a traditional calculator to estimate how long your retirement corpus could last. Then, we’ll explore how the 3-bucket strategy can enhance its longevity.
Conventional Retirement Strategy:
Your current age
Years
18 Years
60 Years
Expected retirement age
Years
30 Years
70 Years
Expected investable corpus at retirement 
1 Lakh
10 Crore
Estimated monthly expenses at retirement
10,000
10 Lakh
Expected Inflation rate per annum
%
1%
10%
Expected returns (conventional strategy)
%
4%
7%
Disclaimers:
This calculator provides an indicative projection of a retirement corpus based on the three-bucket strategy, with varying asset allocations.
The calculations do not account for taxes, transaction costs, fund management fees, or other expenses that may impact actual returns. Any suggested additional lump sum, SIP as gig Income assumes 100% investment in the third equity bucket at the user-defined rate of return, though actual market performance may vary.
Return assumptions for higher end of rate of return are subject to annual adjustments per SEBI guidelines. The lower-end assumptions are 8% for the hybrid bucket and 9% for equity. While the calculator may indicate better performance than the conventional strategy under these assumptions, real-world outcomes are uncertain.
All investments carry market risks, and past performance does not guarantee future returns. This calculator is for educational purposes only and should not be the sole basis for investment decisions. Users are advised to consult a financial advisor before making investment choices. By using this tool, you acknowledge that the projections are hypothetical and do not constitute financial advice or a guarantee of future performance.
The calculations are subject to round off error, hence it is advisable to consult a financial advisor for customised/exact calculations.
This calculator provides an indicative projection of a retirement corpus based on the three-bucket strategy, with varying asset allocations.
The calculations do not account for taxes, transaction costs, fund management fees, or other expenses that may impact actual returns. Any suggested additional lump sum, SIP as gig Income assumes 100% investment in the third equity bucket at the user-defined rate of return, though actual market performance may vary.
Return assumptions for higher end of rate of return are subject to annual adjustments per SEBI guidelines. The lower-end assumptions are 8% for the hybrid bucket and 9% for equity. While the calculator may indicate better performance than the conventional strategy under these assumptions, real-world outcomes are uncertain.
All investments carry market risks, and past performance does not guarantee future returns. This calculator is for educational purposes only and should not be the sole basis for investment decisions. Users are advised to consult a financial advisor before making investment choices. By using this tool, you acknowledge that the projections are hypothetical and do not constitute financial advice or a guarantee of future performance.
The calculations are subject to round off error, hence it is advisable to consult a financial advisor for customised/exact calculations.
