Simulate the 3-bucket retirement income strategy with active management — see if your money lasts through your entire retirement.
📋 Your Retirement Snapshot
The total amount of money you've saved for retirement across all accounts.
$
After-tax monthly income you need in retirement.
$
How many years you expect to be retired.
🪣 Bucket Setup & Assumptions
Years of cash reserves (typically 2–3 years). Invested in cash, CDs, short-term bonds.
Years of mid-term reserves (typically 4–5 years). Invested in balanced/bond funds.
Expected return for cash/CDs (typically 0–2%).
%
Expected return for balanced funds (typically 4–6%).
%
Expected return for growth assets (typically 6–8%). Stocks, real estate, ETFs.
%
⚠️ Portfolio Allocation Notice:
Bucket 1 (Short-Term)
Bucket 2 (Mid-Term)
Bucket 3 (Growth)
Total Interest Earned
Years Fully Funded
Initial Portfolio Allocation
Bucket 1 — Cash/Short-Term
Bucket 2 — Balanced/Mid-Term
Bucket 3 — Growth/Long-Term
Year
Withdraw From
Refill Activity
End B1
End B2
End B3
Total
Status
Year
Begin B1
Begin B2
Begin B3
Int B1
Int B2
Int B3
W/D B1
W/D B2
W/D B3
Refill B1
Refill B2
End B1
End B2
End B3
This calculator is for informational and educational purposes only and does not constitute financial, legal, tax, or investment advice.
Investment returns are not guaranteed, may vary significantly, and past performance does not predict future results.
Consult a qualified financial advisor before making any retirement income decisions.