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Retirement, split by when you spend it

Three buckets. One question: does the money last?

Kitne saal chalega?

A thirty year retirement needs equity to survive inflation. It also needs you to never sell equity in a crash to buy next month's groceries. Splitting the corpus by when you will spend it solves both: near term money sits in cash, and market noise never touches the bills. Set your numbers and watch it run, year by year.

How you will fund it
The basics
yrs
yrs
A 30 year retirement. Plan long: outliving the money is the real risk.
₹
Type "3cr" or "75L". Everything you have earmarked for retirement.
₹
What you will spend in the year you retire, not today. If that is years away, use today's spending grown by inflation. This tool starts the clock on retirement day.
% p.a.
The buckets, if you want to tune them
yrs of spends
%
yrs after that
%
%
12% is a long run hope for equity, not a promise. Some years will be negative.
Day one, this is the split
Every rupee sorted by when you need it.
The money, year by year
Watch the buckets drain and refill.
Liquidity Stability Growth
What this actually tells you
Show the full year by year ledger
Still building the corpus?
Find the number you are aiming for.
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