Money You Need to Retire Today
Enter your monthly expenses and age. The calculator shows three corpus targets — Minimum, Comfortable, and Very Conservative — with the full 4-bucket breakdown for each.
How the 4-Bucket Strategy Works
Bucket 1 — Health & Contingency (0–2 yrs): 2 years of expenses in FD/liquid funds (>6% gross). Your spending account — covers medical emergencies and daily costs. Refilled every 2 years from Bucket 2.
Bucket 2 — Short Term Income (2–4 yrs): 2 years of expenses in debt/short-term funds (~8% gross). Provides income for years 2–4. Refilled every 4 years from Bucket 3.
Bucket 3 — Medium Term Buffer (4–8 yrs): 4 years of expenses in balanced/hybrid funds (~10% gross). Insulates the plan from short-term market swings. Refilled every 8 years from Bucket 4.
Bucket 4 — Growth (8+ yrs): The remaining corpus invested in equity (~13% gross). The long-term growth engine that funds all other buckets over time.
FD returns are taxed at your income-tax slab rate. Debt, balanced, and equity returns are taxed at 12.5% LTCG (post-2024 Budget). The corpus figure adjusts automatically when you change your tax bracket.