How the 3-Bucket Retirement Strategy Works

Calculate Your Custom 3-Bucket Retirement Allocation

Use the interactive calculator below to instantly divide your nest egg into three distinct timelines.
The 3-bucket retirement strategy is a proven wealth management framework that segments your nest egg by time horizon, ensuring you never have to sell stocks during a market downturn. This interactive 3-bucket strategy calculator helps you instantly visualize your ideal asset allocation by splitting your savings into immediate cash reserves, income-producing stability assets, and long-term growth equities. To use the tool, simply enter your Total Portfolio Size, Total Annual Spending, and any Guaranteed Annual Income like Social Security to find your net annual portfolio draw. Then, toggle between the Conservative, Moderate, and Aggressive risk profiles to see your money reallocate in real time. Our percentage-driven model gives you a clear, actionable blueprint to protect your purchasing power and secure your financial future.