Two Bucket Strategy Calculator

Monthly Withdrawal:

Enter the amount you Need today, or on the first day of your retirement. This amount will increase every year based on the Inflation rate provided by you.

Inflation (%):
Enter the current inflation rate as a percentage.

LMF ROI (%):
Bucket 1 is your Liquid Fund. Enter the return you expect from this fund. This is Usually between 6-8% in India.

B1 Duration (Years)
The Amount you wish to withdraw from Bucket 2, and put it in Bucket 1 (Liquid Fund) whenever Bucket 1 is depleted. It is recommend to withdraw around 2 years of corpus at once.

Starting Corpus

This is the final retirement corpus amount you have accumulated, or plan to accumulate till retirement.

Month	Monthly Withd.	Returns	Bucket1	Bucket2
1	₹0	4.44%	₹24,00,000	₹76,00,000
2	₹1,00,000	7.02%	₹23,14,000	₹79,37,440
3	₹1,00,000	-7.64%	₹22,27,498	₹84,94,648
4	₹1,00,000	-7.98%	₹21,40,492	₹78,45,657
5	₹1,00,000	-1.86%	₹20,52,978	₹72,19,573
6	₹1,00,000	6.59%	₹19,64,953	₹70,85,289
7	₹1,00,000	-9.42%	₹18,76,416	₹75,52,210
8	₹1,00,000	4.6%	₹17,87,361	₹68,40,792
9	₹1,00,000	-8.78%	₹16,97,788	₹71,55,468
10	₹1,00,000	-7.78%	₹16,07,692	₹65,27,218
11	₹1,00,000	8.13%	₹15,17,070	₹60,19,400
12	₹1,06,000	-0.36%	₹14,19,919	₹65,08,778
13	₹1,06,000	8.56%	₹13,22,202	₹64,85,346
14	₹1,06,000	-1.48%	₹12,23,915	₹70,40,492
15	₹1,06,000	-15.04%	₹11,25,055	₹69,36,292
16	₹1,06,000	-2%	₹10,25,617	₹58,93,074
17	₹1,06,000	3.79%	₹9,25,600	₹57,75,212
18	₹1,06,000	-5.14%	₹8,24,999	₹59,94,093
19	₹1,06,000	-3.16%	₹7,23,812	₹56,85,997
20	₹1,06,000	-1.78%	₹6,22,034	₹55,06,319
21	₹1,06,000	-13.28%	₹5,19,663	₹54,08,307
22	₹1,06,000	6.35%	₹4,16,694	₹46,90,083
23	₹1,06,000	9.8%	₹3,13,125	₹49,87,904
24	₹1,12,360	-0.76%	₹2,02,591	₹54,76,718
25	₹1,12,360	1.54%	₹91,413	₹54,35,095
26	₹1,12,360	6.2%	₹27,88,586	₹28,22,156
27	₹1,12,360	-1.09%	₹26,92,493	₹29,97,129
28	₹1,12,360	-3.99%	₹25,95,839	₹29,64,461
29	₹1,12,360	-5.14%	₹24,98,622	₹28,46,179
30	₹1,12,360	2.82%	₹24,00,837	₹26,99,885
31	₹1,12,360	-9.35%	₹23,02,482	₹27,76,022
32	₹1,12,360	5.39%	₹22,03,553	₹25,16,464
33	₹1,12,360	-4.7%	₹21,04,047	₹26,52,101
34	₹1,12,360	-1.22%	₹20,03,961	₹25,27,452
35	₹1,12,360	10.38%	₹19,03,291	₹24,96,617
36	₹1,19,101	4.13%	₹17,95,291	₹27,55,766
37	₹1,19,101	-4.72%	₹16,86,662	₹28,69,580
38	₹1,19,101	2.07%	₹15,77,400	₹27,34,135
39	₹1,19,101	-8.01%	₹14,67,500	₹27,90,732
40	₹1,19,101	-4.51%	₹13,56,958	₹25,67,194
41	₹1,19,101	7.79%	₹12,45,772	₹24,51,414
42	₹1,19,101	12.65%	₹11,33,938	₹26,42,379
43	₹1,19,101	4.56%	₹10,21,451	₹29,76,640
44	₹1,19,101	14.39%	₹9,08,308	₹31,12,375
45	₹1,19,101	4.46%	₹7,94,505	₹35,60,246
46	₹1,19,101	9.79%	₹6,80,038	₹37,19,033
47	₹1,19,101	3.81%	₹5,64,903	₹40,83,126
48	₹1,26,247	16.38%	₹4,41,950	₹42,38,693
49	₹1,26,247	-3.72%	₹3,18,281	₹49,32,991
50	₹1,26,247	-0.52%	₹1,93,890	₹47,49,484
51	₹1,26,247	-1.58%	₹68,773	₹47,24,787
52	₹1,26,247	1.37%	₹30,99,119	₹16,20,190
53	₹1,26,247	-17.4%	₹29,90,949	₹16,42,387
54	₹1,26,247	1.48%	₹28,82,149	₹13,56,611
55	₹1,26,247	8.42%	₹27,72,714	₹13,76,689
56	₹1,26,247	-0.03%	₹26,62,640	₹14,92,607
57	₹1,26,247	6.97%	₹25,51,925	₹14,92,159
58	₹1,26,247	2.37%	₹24,40,563	₹15,96,162
59	₹1,26,247	9.62%	₹23,28,552	₹16,33,991
60	₹1,33,822	6.21%	₹22,08,313	₹17,91,181
61	₹1,33,822	-1.1%	₹20,87,372	₹19,02,414
62	₹1,33,822	2.22%	₹19,65,726	₹18,81,487
63	₹1,33,822	-3.21%	₹18,43,370	₹19,23,256
64	₹1,33,822	-6.54%	₹17,20,300	₹18,61,520
65	₹1,33,822	9.73%	₹15,96,513	₹17,39,776
66	₹1,33,822	6.37%	₹14,72,003	₹19,09,057
67	₹1,33,822	4.13%	₹13,46,768	₹20,30,663
68	₹1,33,822	3.13%	₹12,20,801	₹21,14,530
69	₹1,33,822	9.09%	₹10,94,100	₹21,80,715
70	₹1,33,822	-8.86%	₹9,66,660	₹23,78,942
71	₹1,33,822	11.86%	₹8,38,476	₹21,68,167
72	₹1,41,851	6.95%	₹7,01,515	₹24,25,312
73	₹1,41,851	5.8%	₹5,63,755	₹25,93,871
74	₹1,41,851	2.45%	₹4,25,192	₹27,44,316
75	₹1,41,851	10.66%	₹2,85,820	₹28,11,552
76	₹1,41,851	4.56%	₹1,45,636	₹31,11,263
77	₹1,41,851	-13.68%	₹4,633	₹32,53,137
78	₹1,41,851	1.86%	₹34,09,106	₹-5,96,338

The corpus finishes in 6.5 years.

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