Retirement tool
Bucket strategy income planner
Cash, income and growth buckets.
Sizes a cash, income and growth bucket strategy from a single income goal and the number of years each bucket must cover. Each bucket's income yield is harvested to keep the front buckets topped up, and the tool reports the blended weighted return of the whole structure.
An optional sequencing-risk downturn can be applied early in retirement to show why the buckets exist at all.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Annual income goal
- Years of income held in the cash and income buckets
- Expected return and yield for each bucket
- Optional early-retirement downturn to stress the plan
What it reports
- The dollar size of each bucket
- The blended weighted return of the structure
- How income yields refill the front buckets
- How long the capital lasts, with and without the downturn
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
A $65,000 income goal sizes the buckets at $130,000 cash, $325,000 income and $415,000 growth, a blended return of 5.72% p.a.
In the downturn test, the cash and income buckets carry the first 7 years without selling a single growth asset at depressed prices.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.