Three-bucket burndown

How long will my corpus money last?

Stop guessing. The Three-Bucket Retirement Simulator provides a high-fidelity stress test of your savings so you can retire with clarity and certainty.

Privacy First: Your financial data is your business. Your data is local to you —nothing is stored on our servers.

How it works: We organize your nest egg into an untouched Emergency Fund and three strategic buckets that automatically replenish each year. We do the heavy lifting by automatically calculating tax on redemptions so you see your true take-home cash.

Advanced tools for realistic planning: Real life doesn't follow a straight line. Customize your simulation to match reality:
• Factor in existing taxes: Account for the tax burden on your unrealized gains.
• Reverse-engineer your goals: Use the Solver to work backward and find exactly what you need to save today.
• Automate your risk: Set a Glide Path to smoothly adjust your asset allocation as you age.
• Stress-test the worst case: Apply a "Slump Start" to see if your portfolio survives an immediate market crash.
• Plan for major life events: Add "Lumpy Cash Flows" to account for irregular, massive expenses like buying a home or funding an education.

Note: For the best experience and full data visualization, fire this up on a laptop. (Mobile works, but you'll be scrolling sideways through the data tables).

Currency

₹ INR $ USD

Your plan

Everything recalculates as you type. Amounts accept 4.2cr, 50L, 75k or plain digits.

Money

Retirement corpusWithdrawals only — leave out goal money; Net of any outstanding loans

Monthly expensesOver and above pension or rent

Inflation% a year, applied to the spend

Years to project

Unrealised Gains on the corpus (Optional)Off

Select this if your corpus is already invested and carries gains not yet taxed. e.g. holdings worth 100 that cost 60 carry 40%.

Corpus already carries gainsEvery bucket opens with this share of its value as gain, and pays tax on it as it redeems. OFF by default, which treats the corpus as freshly invested.

Unrealised gains in the corpus% of today's value that is gain not yet taxed

Additional Solver (Optional)

Model backwards from the tenure horizon above, keeping everything else as frozen.
(read notes below for explanation)

Opening sizes, in unit months of expenses

Emergency FundSealed-no withdrawals

Bucket 1monthly withdrawals

Bucket 2refills Bucket 1 yearly

Bucket 3refills Bucket 2 yearly

Asset mix, Weights and Tax Assumptions

	Equity LargeCap	Equity MidCap/FlexiCap	Debt Bonds/GILT	Debt UltraShort	Debt-Liquid Equity-Arb
Return % pre-tax
Tax % assumes long-term
Emergency Fund						100
Bucket 1						100
Bucket 2						100
Bucket 3						100

Bucket 3 Glide Path (Optional)Off

Select this if you want more realistic view with automatic asset-allocation baked-in. Set where Bucket 3 should end up at end of the horizon tenure. Allocation slowly and linearly drifts towards it.

Drift Bucket 3 to a target mixYear 1 uses the Bucket 3 weights from above, while the final year uses these. Weights for every year in between sits proportionally along the way. OFF by default.

	Equity LargeCap	Equity MidCap/FlexiCap	Debt Bonds/GILT	Debt UltraShort	Debt-Liquid Equity-Arb
Target						100

Slump Start (Optional)Off

Select this if your current market returns are lower(or higher) than expected long term projected market returns.

Open with a slumpOverrides the returns above for the first few years only, then resets them back to the projected values. OFF by default.

How longhow many years it lasts

Starting in year1 hits immediately, at the worst possible moment

Equity return% a year, both equity columns

Debt return% a year, all three debt columns

Lumpy Cash Flows (Optional)Off

One-off or repeating money in and out, on top of the monthly spend. (e.g pension/rent starting later, property sale, wedding, car etc).

Apply cash flowsPositive is money coming in, negative is money going out. Blank rows are ignored. OFF by default.

Year	Amount	Every year after

Amounts are in today's rupees
Each amount grows by the inflation rate before it is applied, similar to how monthly spend inflates. Uncheck to enter the actual rupee figure for that year.

Total corpus at each year end

Actual pre-tax rupee balances, sealed fund included-only spending grows with inflation

Emergency Bucket 1 Bucket 2 Bucket 3 Tap or hover on the chart for any year's figures

Money moves right to left once a year: Bucket 2 refills Bucket 1 first, then Bucket 3 tops Bucket 2 back up. Spending leaves Bucket 1 every month. The emergency fund sits outside the chain-it is funded once and left alone, and is never counted as spendable.

Year-end balances

Year	Monthly spend (inflated)	Cash flow	Emergency fund	Bucket 1	Bucket 2	Bucket 3	Spendable (B1+B2+B3)	Total Corpus (incl. emergency fund)	Tax paid