Rytvae Consulting · Think Right · Invest Right
Retirement Bucket Calculator
Result
Chart
Show formula & working
Bucket corpus = Σ withdrawal in year y ÷ (1 + bucket return)y − 1 over the years it funds; withdrawal grows with inflation
RRR = the single return r at which Σ withdrawals ÷ (1 + r)y − 1 = your corpus
Details
How this works
Money needed in the next few years should be safe; money needed in 15 years can be invested for growth. Buckets match each slice of spending with a suitable investment.
The required rate of return tells you how hard your whole corpus must work to last.
Frequently asked questions
How often should buckets be refilled?
Usually once a year, moving money from the growth bucket towards the near bucket, preferably after good years.
Why is the bucket total lower than a single-rate plan?
Later buckets earn more while they wait, so less money is needed for them today.