3-Bucket Retirement Cashflow Simulator
Why the 4% rule fails in India. Allocate your corpus across Cash, Debt, and Equity to beat 7–9% inflation without selling at market lows.
Retirement Corpus & Lifestyle
₹
≈ ₹3.50 Cr
Your accumulated nest egg across all assets
₹
≈ ₹12.00 L
Lifestyle expenses required in year 1 of retirement
Urban India reality is 7% to 9%
Bucket Architecture
Zero market risk — directly pays your monthly living costs
Stable yield (7.5%) — periodically refills Bucket 1
Stress Test Simulation
Tests whether your retirement survives the dreaded Sequence of Returns Risk (SRR) without forced selling at market lows.
Safe Withdrawal Rate (SWR)
3.43%
⚠️ High for 7.5% inflation
Retirement Solvency
Funded 30+ Yrs
Final: ₹14.88 Cr
Your 3-Bucket Allocation at Retirement
Bucket 1: Cash
Years 1–3 (Arbitrage/Liquid)
₹38.77 L
Zero equity risk
Bucket 2: Debt
Years 4–8 (Short Debt)
₹86.59 L
Refills Bucket 1
Bucket 3: Growth
Years 9+ (Index/Flexicap)
₹2.25 Cr
Compounding engine
Why this works in India: Your initial withdrawal rate is 3.43% (above the recommended 3.3% Indian SWR). Consider stepping down discretionary expenses or boosting initial corpus to avoid late-life depletion.
10-Year Cashflow & Refill Trajectory
| Year | Living Expense | Bucket 1 (Cash) | Bucket 2 (Debt) | Bucket 3 (Equity) | Total Corpus |
|---|---|---|---|---|---|
| Yr 1 (Age 55) | ₹12.00 L | ₹33.91 L | ₹1.06 Cr | ₹2.34 Cr | ₹3.73 Cr |
| Yr 2 (Age 56) | ₹12.90 L | ₹28.02 L | ₹1.27 Cr | ₹2.43 Cr | ₹3.98 Cr |
| Yr 3 (Age 57) | ₹13.87 L | ₹20.95 L | ₹1.50 Cr | ₹2.52 Cr | ₹4.23 Cr |
| Yr 4 (Age 58) | ₹14.91 L | ₹12.54 L | ₹1.76 Cr | ₹2.62 Cr | ₹4.50 Cr |
| Yr 5 (Age 59) | ₹16.03 L | ₹6.35 L | ₹2.00 Cr | ₹2.73 Cr | ₹4.79 Cr |
| Yr 6 (Age 60) | ₹17.23 L | ₹6.59 L | ₹2.18 Cr | ₹2.83 Cr | ₹5.08 Cr |
| Yr 7 (Age 61) | ₹18.52 L | ₹6.85 L | ₹2.38 Cr | ₹2.94 Cr | ₹5.39 Cr |
| Yr 8 (Age 62) | ₹19.91 L | ₹7.12 L | ₹2.58 Cr | ₹3.06 Cr | ₹5.72 Cr |
| Yr 9 (Age 63) | ₹21.40 L | ₹7.40 L | ₹2.80 Cr | ₹3.18 Cr | ₹6.05 Cr |
| Yr 10 (Age 64) | ₹23.01 L | ₹7.70 L | ₹3.02 Cr | ₹3.31 Cr | ₹6.40 Cr |
Partner · Investing
Manage on Groww →Set up a systematic withdrawal plan on your existing folio.
Want the full picture?
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
Simple estimate for swp. Rates & taxes will vary — verify before acting.