Three Bucket Strategy Calculator

₹
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 you provide.
Enter the current inflation rate as a percentage.
Only Liquid Fund is available for now.
The no. of months for which you want to refill this bucket. E.g. 24 means, you will transfer 24 months’ of required amount from B2 to B1, everytime B1 is empty.
Enter the return you expect from this fund.
The no. of months for which you want to refill this bucket. E.g. 12 means, we will transfer 12 months’ worth of expenses from B3A and B3B to B2. It is recommended the B2 Duration is greater than or equal to B1 Duration.
₹
Value of your Stock Market Investments
Enter the Avg. Dividend Rate expected from your stock portfolio.
₹
Size of Mutual Fund Investment

The Corpuses Finishes in

MonthRequirementDividendMkt ReturnsB2 Returns
(Bal Adv Fund)		B1 Corpus
(Liq. Fund)		B2 Corpus
(Bal Adv Fund)		Bucket 3A
(Stocks)		Bucket 3B
(MF)
1₹0₹00.03%0.01%₹24,00,000₹12,00,000₹88,00,000₹1,76,00,000
2₹1,00,000₹00.04%0.02%₹23,14,000₹12,00,240₹88,02,640₹1,76,05,280
3₹1,00,000₹00.03%0.02%₹22,27,498₹12,00,480₹88,06,161₹1,76,12,322
4₹66,976₹33,023-0.03%0.04%₹21,73,515₹12,00,960₹88,08,802₹1,76,17,605
5₹1,00,000₹00.08%0.03%₹20,86,194₹12,01,320₹88,06,160₹1,76,12,320
6₹1,00,000₹00.03%0.02%₹19,98,363₹12,01,560₹88,13,205₹1,76,26,410
7₹1,00,000₹0-0.03%0.00%₹19,10,020₹12,01,560₹88,15,849₹1,76,31,698
8₹66,940₹33,0590.02%0.02%₹18,54,221₹12,01,801₹88,13,204₹1,76,26,408
9₹1,00,000₹00.04%0.06%₹17,65,038₹12,02,522₹88,14,967₹1,76,29,934
10₹1,00,000₹00.05%0.01%₹16,75,334₹12,02,642₹88,18,493₹1,76,36,986
11₹1,00,000₹0-0.01%0.02%₹15,85,106₹12,02,882₹88,22,902₹1,76,45,804
12₹66,914₹33,0850.04%0.00%₹15,27,439₹12,02,882₹88,22,019₹1,76,44,039
13₹1,06,000₹00.04%0.01%₹14,30,349₹12,03,003₹88,25,548₹1,76,51,097
14₹1,06,000₹00.02%0.07%₹13,32,693₹12,03,845₹88,29,079₹1,76,58,158
15₹1,06,000₹00.01%0.01%₹12,34,467₹12,03,965₹88,30,844₹1,76,61,689
16₹72,884₹33,1150.03%0.03%₹11,68,783₹12,04,326₹88,31,727₹1,76,63,455
17₹1,06,000₹00.05%0.07%₹10,69,601₹12,05,169₹88,34,377₹1,76,68,754
18₹1,06,000₹00.03%0.06%₹9,69,841₹12,05,893₹88,38,794₹1,76,77,589
19₹1,06,000₹00.06%0.06%₹8,69,498₹12,06,616₹88,41,446₹1,76,82,892
20₹72,844₹33,1550.01%0.02%₹8,01,725₹12,06,857₹88,46,751₹1,76,93,502
21₹1,06,000₹00.01%0.02%₹7,00,402₹12,07,099₹88,47,635₹1,76,95,271
22₹1,06,000₹0-0.03%0.00%₹5,98,488₹12,07,099₹88,48,520₹1,76,97,041
23₹1,06,000₹00.04%0.04%₹4,95,979₹12,07,582₹88,45,866₹1,76,91,732
24₹72,828₹33,1710.02%0.04%₹4,26,044₹12,08,065₹88,49,404₹1,76,98,808
25₹1,12,360₹00.00%0.00%₹3,16,170₹12,08,065₹88,51,174₹1,77,02,348
26₹1,12,360₹00.10%0.01%₹2,05,654₹12,08,185₹88,51,174₹1,77,02,348
27₹1,12,360₹0-0.06%0.03%₹94,494₹12,08,548₹88,60,025₹1,77,20,050
28₹79,134₹33,2250.07%0.03%₹15,910₹12,08,910₹88,54,709₹1,77,09,418
29₹1,12,360₹00.10%0.05%₹25,84,280₹0₹83,70,533₹1,67,41,067
30₹1,12,360₹0-0.03%0.00%₹24,86,994₹0₹83,78,904₹1,67,57,808
31₹1,12,360₹00.04%-0.01%₹23,89,142₹0₹83,76,390₹1,67,52,781
32₹80,948₹31,4110.05%-0.03%₹23,22,130₹0₹83,79,741₹1,67,59,482
33₹1,12,360₹00.07%-0.05%₹22,23,316₹0₹83,83,931₹1,67,67,862
34₹1,12,360₹00.04%0.04%₹21,23,925₹0₹83,89,799₹1,67,79,599
35₹1,12,360₹00.03%0.20%₹20,23,955₹0₹83,93,155₹1,67,86,311
36₹80,885₹31,4740.01%0.03%₹19,54,875₹0₹83,95,673₹1,67,91,347
37₹1,19,101₹00.04%0.02%₹18,47,177₹0₹83,96,513₹1,67,93,026
38₹1,19,101₹00.01%0.04%₹17,38,851₹0₹83,99,871₹1,67,99,743
39₹1,19,101₹00.04%0.04%₹16,29,893₹0₹84,00,711₹1,68,01,423
40₹87,598₹31,502-0.01%0.02%₹15,51,801₹0₹84,04,072₹1,68,08,144
41₹1,19,101₹00.09%0.02%₹14,41,752₹0₹84,03,231₹1,68,06,463
42₹1,19,101₹0-0.01%0.02%₹13,31,061₹0₹84,10,794₹1,68,21,589
43₹1,19,101₹00.02%0.03%₹12,19,724₹0₹84,09,953₹1,68,19,907
44₹87,564₹31,5370.06%0.02%₹11,39,274₹0₹84,11,635₹1,68,23,271
45₹1,19,101₹0-0.03%0.06%₹10,26,818₹0₹84,16,682₹1,68,33,365
46₹1,19,101₹00.12%0.02%₹9,13,707₹0₹84,14,157₹1,68,28,315
47₹1,19,101₹0-0.08%0.00%₹7,99,935₹0₹84,24,254₹1,68,48,509
48₹87,510₹31,5900.11%0.06%₹7,17,091₹0₹84,17,515₹1,68,35,030
49₹1,26,247₹0-0.03%0.04%₹5,95,026₹0₹84,26,774₹1,68,53,548
50₹1,26,247₹00.04%0.08%₹4,72,249₹0₹84,24,246₹1,68,48,492
51₹1,26,247₹00.01%0.06%₹3,48,756₹0₹84,27,616₹1,68,55,232
52₹94,644₹31,6030.15%0.05%₹2,56,147₹0₹84,28,458₹1,68,56,917
53₹1,26,247₹0-0.14%0.07%₹1,31,393₹0₹84,41,101₹1,68,82,203
54₹1,26,247₹0-0.09%0.15%₹5,912₹0₹84,29,284₹1,68,58,568
55₹1,26,247₹00.11%-0.04%₹29,03,697₹0₹74,13,698₹1,48,27,396
56₹98,446₹27,801-0.01%-0.04%₹28,22,188₹0₹74,21,853₹1,48,43,707
57₹1,26,247₹00.11%0.02%₹27,12,403₹0₹74,21,111₹1,48,42,222
58₹1,26,247₹0-0.04%0.03%₹26,01,978₹0₹74,29,274₹1,48,58,549
59₹1,26,247₹00.06%0.06%₹24,90,909₹0₹74,26,302₹1,48,52,605
60₹98,399₹27,8480.03%0.05%₹24,07,040₹0₹74,30,758₹1,48,61,517
61₹1,33,822₹00.09%0.01%₹22,87,258₹0₹74,32,987₹1,48,65,975
62₹1,33,822₹0-0.12%0.03%₹21,66,778₹0₹74,39,677₹1,48,79,355
63₹1,33,822₹00.13%0.05%₹20,45,595₹0₹74,30,749₹1,48,61,499
64₹1,05,957₹27,8650.05%0.00%₹19,51,571₹0₹74,40,409₹1,48,80,819
65₹1,33,822₹0-0.02%0.03%₹18,29,132₹0₹74,44,130₹1,48,88,260
66₹1,33,822₹00.03%0.03%₹17,05,980₹0₹74,42,641₹1,48,85,282
67₹1,33,822₹00.00%0.03%₹15,82,109₹0₹74,44,874₹1,48,89,748
68₹1,05,904₹27,9180.06%0.10%₹14,85,433₹0₹74,44,874₹1,48,89,748
69₹1,33,822₹00.07%0.04%₹13,60,276₹0₹74,49,340₹1,48,98,681
70₹1,33,822₹00.11%0.04%₹12,34,388₹0₹74,54,555₹1,49,09,111
71₹1,33,822₹00.01%0.10%₹11,07,766₹0₹74,62,755₹1,49,25,511
72₹1,05,837₹27,9850.08%0.08%₹10,08,391₹0₹74,63,501₹1,49,27,003
73₹1,41,851₹00.00%0.07%₹8,72,421₹0₹74,69,472₹1,49,38,945
74₹1,41,851₹0-0.03%0.02%₹7,35,658₹0₹74,69,472₹1,49,38,945
75₹1,41,851₹00.10%0.06%₹5,98,098₹0₹74,67,231₹1,49,34,463
76₹1,13,849₹28,0020.07%0.02%₹4,87,737₹0₹74,74,699₹1,49,49,398
77₹1,41,851₹00.10%0.07%₹3,48,730₹0₹74,79,931₹1,49,59,862
78₹1,41,851₹0-0.05%0.20%₹2,08,913₹0₹74,87,411₹1,49,74,822
79₹1,41,851₹00.02%0.05%₹68,279₹0₹74,83,667₹1,49,67,335
80₹1,13,788₹28,0630.20%0.11%₹26,17,127₹0₹65,97,751₹1,31,95,503
81₹1,41,851₹00.03%0.05%₹24,90,542₹0₹66,10,947₹1,32,21,894
82₹1,41,851₹00.01%0.06%₹23,63,218₹0₹66,12,930₹1,32,25,861
83₹1,41,851₹00.02%0.03%₹22,35,152₹0₹66,13,591₹1,32,27,183
84₹1,17,050₹24,8000.05%0.09%₹21,31,139₹0₹66,14,914₹1,32,29,829
85₹1,50,363₹00.01%0.05%₹19,93,208₹0₹66,18,221₹1,32,36,443
86₹1,50,363₹00.07%0.05%₹18,54,472₹0₹66,18,883₹1,32,37,767
87₹1,50,363₹00.05%0.04%₹17,14,926₹0₹66,23,517₹1,32,47,034
88₹1,25,524₹24,8380.02%0.03%₹15,99,405₹0₹66,26,828₹1,32,53,657
89₹1,50,363₹0-0.06%0.08%₹14,58,372₹0₹66,28,154₹1,32,56,308
90₹1,50,363₹00.09%0.02%₹13,16,516₹0₹66,24,177₹1,32,48,354
91₹1,50,363₹00.03%0.02%₹11,73,833₹0₹66,30,139₹1,32,60,278
92₹1,25,500₹24,863-0.07%0.01%₹10,55,180₹0₹66,32,128₹1,32,64,256
93₹1,50,363₹00.12%0.05%₹9,10,973₹0₹66,27,485₹1,32,54,971
94₹1,50,363₹00.00%0.02%₹7,65,923₹0₹66,35,438₹1,32,70,877
95₹1,50,363₹00.09%0.02%₹6,20,028₹0₹66,35,438₹1,32,70,877
96₹1,25,480₹24,8820.00%0.01%₹4,98,165₹0₹66,41,410₹1,32,82,820
97₹1,59,384₹00.04%0.00%₹3,41,686₹0₹66,41,410₹1,32,82,820
98₹1,59,384₹00.04%0.04%₹1,84,295₹0₹66,44,066₹1,32,88,133
99₹1,59,384₹0-0.01%0.02%₹25,985₹0₹66,46,724₹1,32,93,449
100₹1,34,459₹24,9250.08%0.03%₹30,92,570₹0₹55,79,095₹1,11,58,191
101₹1,59,384₹00.05%0.02%₹29,51,225₹0₹55,83,558₹1,11,67,117
102₹1,59,384₹0-0.05%0.07%₹28,09,056₹0₹55,86,350₹1,11,72,701
103₹1,59,384₹00.05%0.02%₹26,66,057₹0₹55,83,557₹1,11,67,114
104₹1,38,446₹20,9380.01%0.04%₹25,43,163₹0₹55,86,349₹1,11,72,698
105₹1,59,384₹00.00%0.02%₹23,98,613₹0₹55,86,907₹1,11,73,815
106₹1,59,384₹00.10%0.06%₹22,53,220₹0₹55,86,907₹1,11,73,815
107₹1,59,384₹0-0.02%0.01%₹21,06,979₹0₹55,92,494₹1,11,84,989
108₹1,38,412₹20,9710.04%0.02%₹19,80,857₹0₹55,91,376₹1,11,82,752
109₹1,68,947₹00.03%0.01%₹18,23,464₹0₹55,93,612₹1,11,87,225
110₹1,68,947₹00.02%0.02%₹16,65,153₹0₹55,95,290₹1,11,90,581
111₹1,68,947₹00.02%0.04%₹15,05,919₹0₹55,96,409₹1,11,92,819
112₹1,47,961₹20,9860.02%0.01%₹13,66,742₹0₹55,97,529₹1,11,95,058
113₹1,68,947₹00.03%0.04%₹12,05,767₹0₹55,98,648₹1,11,97,297
114₹1,68,947₹00.02%0.05%₹10,43,852₹0₹56,00,328₹1,12,00,656
115₹1,68,947₹00.02%0.03%₹8,80,994₹0₹56,01,448₹1,12,02,896
116₹1,47,942₹21,0050.04%0.07%₹7,38,190₹0₹56,02,568₹1,12,05,137
117₹1,68,947₹00.04%0.02%₹5,73,548₹0₹56,04,809₹1,12,09,619
118₹1,68,947₹00.09%0.01%₹4,07,946₹0₹56,07,051₹1,12,14,103
119₹1,68,947₹0-0.04%0.03%₹2,41,378₹0₹56,12,097₹1,12,24,195
120₹1,47,902₹21,0450.06%0.01%₹94,883₹0₹56,09,853₹1,12,19,706
121₹1,79,084₹0-0.01%0.06%₹41,18,949₹0₹42,12,353₹84,24,706
122₹1,79,084₹00.04%0.01%₹39,63,892₹0₹42,11,932₹84,23,864
123₹1,79,084₹00.10%0.02%₹38,07,930₹0₹42,13,616₹84,27,233
124₹1,63,283₹15,8010.01%0.02%₹36,66,859₹0₹42,17,830₹84,35,661
125₹1,79,084₹00.00%0.02%₹35,09,164₹0₹42,18,252₹84,36,504
126₹1,79,084₹00.03%0.07%₹33,50,549₹0₹42,18,252₹84,36,504
127₹1,79,084₹00.03%0.03%₹31,91,009₹0₹42,19,517₹84,39,035
128₹1,63,261₹15,8230.03%0.05%₹30,46,362₹0₹42,20,783₹84,41,567
129₹1,79,084₹00.01%0.04%₹28,85,048₹0₹42,22,049₹84,44,099
130₹1,79,084₹00.09%0.00%₹27,22,793₹0₹42,22,472₹84,44,944
131₹1,79,084₹0-0.06%0.03%₹25,59,591₹0₹42,26,272₹84,52,544
132₹1,63,236₹15,8480.01%0.02%₹24,11,285₹0₹42,23,736₹84,47,473
133₹1,89,829₹00.12%0.01%₹22,35,521₹0₹42,24,158₹84,48,317
134₹1,89,829₹0-0.01%0.00%₹20,58,732₹0₹42,29,227₹84,58,455
135₹1,89,829₹0-0.01%0.01%₹18,80,911₹0₹42,28,804₹84,57,609
136₹1,73,971₹15,8580.00%0.07%₹17,17,912₹0₹42,28,382₹84,56,764
137₹1,89,829₹00.08%0.01%₹15,38,103₹0₹42,28,382₹84,56,764
138₹1,89,829₹00.06%0.01%₹13,57,245₹0₹42,31,764₹84,63,529
139₹1,89,829₹00.03%0.03%₹11,75,333₹0₹42,34,303₹84,68,607
140₹1,73,951₹15,8780.05%0.04%₹10,08,238₹0₹42,35,574₹84,71,148
141₹1,89,829₹00.09%0.06%₹8,24,289₹0₹42,37,691₹84,75,383
142₹1,89,829₹0-0.02%0.02%₹6,39,268₹0₹42,41,505₹84,83,011
143₹1,89,829₹00.01%0.05%₹4,53,167₹0₹42,40,657₹84,81,315
144₹1,73,927₹15,9020.06%0.00%₹2,81,883₹0₹42,41,081₹84,82,163
145₹2,01,219₹0-0.03%0.04%₹82,308₹0₹42,43,626₹84,87,252
146₹2,01,219₹00.03%0.00%₹46,28,051₹0₹26,60,192₹53,20,384
147₹2,01,219₹00.13%0.01%₹44,53,829₹0₹26,60,990₹53,21,980
148₹1,91,240₹9,978-0.03%0.02%₹42,88,568₹0₹26,64,449₹53,28,898
149₹2,01,219₹00.09%0.02%₹41,12,365₹0₹26,63,650₹53,27,300
150₹2,01,219₹00.00%0.06%₹39,35,135₹0₹26,66,047₹53,32,094
151₹2,01,219₹00.02%0.00%₹37,56,870₹0₹26,66,047₹53,32,094
152₹1,91,221₹9,9970.04%0.02%₹35,87,563₹0₹26,66,580₹53,33,161
153₹2,01,219₹00.02%0.01%₹34,07,271₹0₹26,67,647₹53,35,294
154₹2,01,219₹0-0.02%0.00%₹32,25,927₹0₹26,68,180₹53,36,361
155₹2,01,219₹00.01%0.05%₹30,43,525₹0₹26,67,647₹53,35,294
156₹1,91,215₹10,0030.08%0.03%₹28,70,063₹0₹26,67,913₹53,35,827
157₹2,13,292₹0-0.07%0.02%₹26,73,512₹0₹26,70,048₹53,40,096
158₹2,13,292₹00.04%0.01%₹24,75,815₹0₹26,68,179₹53,36,358
159₹2,13,292₹00.02%0.01%₹22,76,964₹0₹26,69,246₹53,38,492
160₹2,03,283₹10,0090.14%0.07%₹20,86,964₹0₹26,69,780₹53,39,560
161₹2,13,292₹00.05%0.02%₹18,85,845₹0₹26,73,518₹53,47,036
162₹2,13,292₹00.00%0.04%₹16,83,553₹0₹26,74,854₹53,49,709
163₹2,13,292₹00.04%0.01%₹14,80,081₹0₹26,74,854₹53,49,709
164₹2,03,262₹10,030-0.05%0.01%₹12,85,452₹0₹26,75,924₹53,51,849
165₹2,13,292₹0-0.03%0.01%₹10,79,658₹0₹26,74,586₹53,49,173
166₹2,13,292₹00.06%0.06%₹8,72,663₹0₹26,73,784₹53,47,568
167₹2,13,292₹0-0.05%0.01%₹6,64,461₹0₹26,75,388₹53,50,777
168₹2,03,260₹10,0320.01%0.02%₹4,65,077₹0₹26,74,050₹53,48,101
169₹2,26,090₹00.04%0.02%₹2,41,699₹0₹26,74,318₹53,48,636
170₹2,26,090₹00.08%0.08%₹17,019₹0₹26,75,388₹53,50,776
171₹2,26,090₹00.04%0.02%₹52,00,079₹0₹8,74,511₹17,49,022
172₹2,22,810₹3,2790.08%0.02%₹50,07,601₹0₹8,74,861₹17,49,722
173₹2,26,090₹0-0.04%0.03%₹48,10,722₹0₹8,75,561₹17,51,122
174₹2,26,090₹00.07%0.05%₹46,12,694₹0₹8,75,210₹17,50,421
175₹2,26,090₹0-0.01%0.04%₹44,13,511₹0₹8,75,823₹17,51,647
176₹2,22,806₹3,2840.10%0.04%₹42,16,451₹0₹8,75,735₹17,51,471
177₹2,26,090₹00.05%0.02%₹40,14,956₹0₹8,76,611₹17,53,223
178₹2,26,090₹0-0.04%0.01%₹38,12,286₹0₹8,77,049₹17,54,099
179₹2,26,090₹00.05%0.08%₹36,08,434₹0₹8,76,699₹17,53,398
180₹2,22,802₹3,2870.15%0.02%₹34,06,681₹0₹8,77,137₹17,54,275
181₹2,39,655₹00.00%0.02%₹31,86,897₹0₹8,78,453₹17,56,906
182₹2,39,655₹00.01%0.03%₹29,65,832₹0₹8,78,453₹17,56,906
183₹2,39,655₹00.00%0.04%₹27,43,477₹0₹8,78,541₹17,57,082
184₹2,36,361₹3,2940.01%0.02%₹25,23,119₹0₹8,78,541₹17,57,082
185₹2,39,655₹00.11%0.03%₹22,98,181₹0₹8,78,628₹17,57,257
186₹2,39,655₹0-0.01%0.04%₹20,71,931₹0₹8,79,595₹17,59,190
187₹2,39,655₹00.00%0.00%₹18,44,362₹0₹8,79,507₹17,59,014
188₹2,36,357₹3,298-0.03%0.05%₹16,18,763₹0₹8,79,507₹17,59,014
189₹2,39,655₹00.21%0.01%₹13,88,550₹0₹8,79,243₹17,58,487
190₹2,39,655₹0-0.03%0.02%₹11,56,994₹0₹8,81,090₹17,62,180
191₹2,39,655₹00.04%0.00%₹9,24,087₹0₹8,80,825₹17,61,651
192₹2,36,352₹3,303-0.03%0.01%₹6,93,125₹0₹8,81,178₹17,62,356
193₹2,54,035₹00.05%0.06%₹4,43,133₹0₹8,80,913₹17,61,827
194₹2,54,035₹00.00%0.06%₹1,91,683₹0₹8,81,354₹17,62,708
195₹2,54,035₹00.05%0.02%₹25,82,828₹0₹0₹0
196₹2,54,035₹0-0.01%0.07%₹23,43,860₹0₹0₹0
197₹2,54,035₹00.10%0.03%₹21,03,497₹0₹0₹0
198₹2,54,035₹00.08%0.05%₹18,61,732₹0₹0₹0
199₹2,54,035₹0-0.03%0.02%₹16,18,557₹0₹0₹0
200₹2,54,035₹00.17%0.06%₹13,73,964₹0₹0₹0
201₹2,54,035₹00.01%0.03%₹11,27,943₹0₹0₹0
202₹2,54,035₹0-0.02%0.07%₹8,80,488₹0₹0₹0
203₹2,54,035₹00.08%0.02%₹6,31,589₹0₹0₹0
204₹2,54,035₹0-0.04%0.04%₹3,81,238₹0₹0₹0
205₹2,69,277₹0-0.04%0.02%₹1,14,184₹0₹0₹0
206₹2,69,277₹00.04%0.01%₹1,14,851₹0₹0₹0

17.2