🪣 Multi-Goal Bucket Planner

Plan your goals, allocate investments, and get smart recommendations

🪣 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

Monthly Expenses (₹)

Months Coverage

🎯 Financial Goals

Goal #1

Priority

Goal #2

Priority

💰 Current Investments (Lumpsum)

Investment #1

📈 SIP / RD Investments

SIP/RD #1

📊 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.

Fill details and click Calculate

SERVICES

IMPORTANT LINKS

CONTACT US

Office Address:

House No 100, Avinash Capital Homes 2, Saddu, Raipur, Chhattisgarh - 492014

Email: weplanurdream@gmail.com

Phone: (+91) 7869126639

AMFI registered mutual fund distributor

CONNECT WITH US

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

The past performance of mutual funds is not necessarily indicative of future performance. The value of investments can go down as well as up. Investors should consult their financial advisors if in doubt about whether the product is suitable for them.

PlanurDream is an AMFI registered Mutual Fund Distributor (ARN: 185790). We do not guarantee returns or assure capital protection. All investment decisions should be made after careful consideration of your financial situation, risk tolerance, and investment objectives.

AMFI REGISTRATION DETAILS

ARN	ARN Holder's Name	ARN Valid From	ARN Valid Till	PIN	City	KYD Compliant	EUIN	SIF Validity From	SIF Validity Till
185790	Satyajeet Das	22 Jul 2024	21 Jul 2027	492010	Raipur	Yes	E173444	01 Sep 2025	18 Aug 2028

Chat with us on WhatsApp