Two 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 provided by you.


Enter the current inflation rate as a percentage.

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

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.

This is the final retirement corpus amount you have accumulated, or plan to accumulate till retirement.
MonthMonthly Withd.ReturnsBucket1Bucket2
1₹04.44%₹24,00,000₹76,00,000
2₹1,00,0007.02%₹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₹1,00,0006.59%₹19,64,953₹70,85,289
7₹1,00,000-9.42%₹18,76,416₹75,52,210
8₹1,00,0004.6%₹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₹1,00,0008.13%₹15,17,070₹60,19,400
12₹1,06,000-0.36%₹14,19,919₹65,08,778
13₹1,06,0008.56%₹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₹1,06,0003.79%₹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₹1,06,0006.35%₹4,16,694₹46,90,083
23₹1,06,0009.8%₹3,13,125₹49,87,904
24₹1,12,360-0.76%₹2,02,591₹54,76,718
25₹1,12,3601.54%₹91,413₹54,35,095
26₹1,12,3606.2%₹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₹1,12,3602.82%₹24,00,837₹26,99,885
31₹1,12,360-9.35%₹23,02,482₹27,76,022
32₹1,12,3605.39%₹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₹1,12,36010.38%₹19,03,291₹24,96,617
36₹1,19,1014.13%₹17,95,291₹27,55,766
37₹1,19,101-4.72%₹16,86,662₹28,69,580
38₹1,19,1012.07%₹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₹1,19,1017.79%₹12,45,772₹24,51,414
42₹1,19,10112.65%₹11,33,938₹26,42,379
43₹1,19,1014.56%₹10,21,451₹29,76,640
44₹1,19,10114.39%₹9,08,308₹31,12,375
45₹1,19,1014.46%₹7,94,505₹35,60,246
46₹1,19,1019.79%₹6,80,038₹37,19,033
47₹1,19,1013.81%₹5,64,903₹40,83,126
48₹1,26,24716.38%₹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₹1,26,2471.37%₹30,99,119₹16,20,190
53₹1,26,247-17.4%₹29,90,949₹16,42,387
54₹1,26,2471.48%₹28,82,149₹13,56,611
55₹1,26,2478.42%₹27,72,714₹13,76,689
56₹1,26,247-0.03%₹26,62,640₹14,92,607
57₹1,26,2476.97%₹25,51,925₹14,92,159
58₹1,26,2472.37%₹24,40,563₹15,96,162
59₹1,26,2479.62%₹23,28,552₹16,33,991
60₹1,33,8226.21%₹22,08,313₹17,91,181
61₹1,33,822-1.1%₹20,87,372₹19,02,414
62₹1,33,8222.22%₹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₹1,33,8229.73%₹15,96,513₹17,39,776
66₹1,33,8226.37%₹14,72,003₹19,09,057
67₹1,33,8224.13%₹13,46,768₹20,30,663
68₹1,33,8223.13%₹12,20,801₹21,14,530
69₹1,33,8229.09%₹10,94,100₹21,80,715
70₹1,33,822-8.86%₹9,66,660₹23,78,942
71₹1,33,82211.86%₹8,38,476₹21,68,167
72₹1,41,8516.95%₹7,01,515₹24,25,312
73₹1,41,8515.8%₹5,63,755₹25,93,871
74₹1,41,8512.45%₹4,25,192₹27,44,316
75₹1,41,85110.66%₹2,85,820₹28,11,552
76₹1,41,8514.56%₹1,45,636₹31,11,263
77₹1,41,851-13.68%₹4,633₹32,53,137
78₹1,41,8511.86%₹34,09,106₹-5,96,338

The corpus finishes in 6.5 years.

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Important

Investments in Mutual Funds is subject to Market Risk. Please read all scheme-related documents carefully before investing. 

I do not sell stock tips or encourage you to buy any particular stocks or companies. I am a fundamental researcher, I analyze companies and share my point of view which should be taken from an informational point of view only. 

I am Registered with AMFI (Association of Mutual Funds in India) and my Registration No. ARN-289666

Please do your own research and consult your SEBI Registered investment advisor before making any financial investments.

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