PlanUrDream - Financial Planning & Wealth Management Services

🪣 What is the Bucket Strategy?

The Bucket Strategy is a time-tested approach to financial planning that divides your investments into three buckets based on when you'll need the money. This helps balance safety, stability, and growth while ensuring you have the right funds available at the right time.

🛡️ Bucket 1: Safety (0-3 years)

For immediate needs and emergency funds. Focus on liquidity and capital preservation.

Best For:

• Emergency Fund (6-12 months expenses)

• Short-term goals (vacation, car down payment)

• Immediate expenses

Investments:

• Savings Account, FD, Liquid Funds

Expected Returns:

• 4-6.5% per annum

⚖️ Bucket 2: Stability (3-7 years)

For medium-term goals. Balance between safety and growth with moderate risk.

Best For:

• House down payment

• Child's education (5-7 years away)

• Home renovation

Investments:

• Debt Funds, PPF, Hybrid Funds, Gold

Expected Returns:

• 7-9.5% per annum

📈 Bucket 3: Growth (7+ years)

For long-term wealth creation. Higher risk, higher potential returns.

Best For:

• Retirement corpus

• Child's higher education (10+ years)

• Wealth creation

Investments:

• Equity Funds, Stocks, ELSS, NPS

Expected Returns:

• 9-13% per annum

🔄 How the Calculator Works

1️⃣ Goal Classification

Automatically assigns your goals to the right bucket based on timeline and priority.

2️⃣ Investment Allocation

Maps your current investments and SIPs to appropriate buckets based on asset type.

3️⃣ Smart Cascading

Surplus from one bucket automatically flows to cover deficits in other buckets.

4️⃣ Actionable Recommendations

Get specific suggestions on how much to invest (lumpsum or SIP) to meet your goals.

✨ Key Features

🎯

Priority-Based Allocation

High-priority goals get funded first

📊

SIP Proportional Split

Divides your SIP across multiple goals intelligently

🛡️

Emergency Fund Priority

Ensures your safety net is funded first

🔄

Cross-Bucket Reallocation

Suggests optimal fund movements between buckets

💰

Inflation-Adjusted Goals

Calculates future value with realistic inflation rates

📈

Detailed Recommendations

Specific investment products for each bucket

🛡️ Emergency Fund

💰 Current Monthly Living Expenses (₹)

How much do you spend per month on average?

🛡️ Emergency Fund Coverage (Months)

How many months of expenses to keep as emergency fund? (Recommended: 6-12 months)

🎯 Financial Goals

Goal #1

Goal Cost (₹)

Years to Goal

Priority

Goal #2

Goal Cost (₹)

Years to Goal

Priority

💰 Current Investments (Lumpsum)

Investment #1

Current Investment Value (₹)

📈 SIP / RD Investments

SIP/RD #1

Monthly SIP Amount (₹)

📊 Calculation Assumptions

• Inflation Rates: Varies by goal type (0-8% p.a.)

• Expected Returns: Bucket 1: 4-6.5% | Bucket 2: 7-9.5% | Bucket 3: 9-13%

• SIP Calculations: Compound interest with monthly compounding

• RD Calculations: Simple interest on quarterly compounding basis

⚠️ Investment Disclaimer

This calculator provides estimates based on assumed rates of return and inflation. Actual investment performance may vary. Past performance is not indicative of future results. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Consult with a qualified financial advisor for personalized advice.

Click to analyze your goals and get personalized bucket allocation

Fill details and click Calculate

🪣 Multi-Goal Bucket Analysis

🪣 What is the Bucket Strategy?

🛡️ Bucket 1: Safety (0-3 years)

⚖️ Bucket 2: Stability (3-7 years)

📈 Bucket 3: Growth (7+ years)

🔄 How the Calculator Works

✨ Key Features

🛡️ Emergency Fund

🎯 Financial Goals

💰 Current Investments (Lumpsum)

📈 SIP / RD Investments

📊 Calculation Assumptions

⚠️ Investment Disclaimer