Retirement Cash Bucket Planner
Size a retiree cash bucket, bond bridge, and growth bucket, then see whether your near-term spending reserve is underfunded before selling investments.
Quick answer: Size a retiree cash bucket, bond bridge, and growth bucket, then see whether near-term spending reserves are underfunded before selling investments. Enter Annual expenses, current cash, portfolio value, and cash years to personalize the estimate. It returns Cash bucket gap, cash years covered, and bond bridge target so you can compare the impact before choosing a next step. Use it to compare long-term value, tax impact, risk, time horizon, and contribution choices.
Your cash bucket target is $120,000, with $1 years covered and a $45,000 refill gap.
Bucket 2 target is $300,000, leaving $780,000 in the long-term growth bucket.
Build this cash bucket in Money MapMy retirement cash bucket target is $120,000, cash refill gap is $45,000, and growth bucket is $780,000.
Refill cash before a weak market forces investment sales, and recheck the drawdown stress test.
Bucket 2 targets $300,000 for middle-year spending support.
Long-term growth bucket is $780,000 with a planned withdrawal rate of 3.75%.
Build this in Money Map ->
- 1
Check the cash refill gap
Compare current cash to the target cash bucket before relying on portfolio sales.
- 2
Place cash intentionally
Compare high-yield savings, money market funds, and short-duration cash options for the liquid bucket.
- 3
Build the bucket plan in Money Map
Save cash, bond bridge, growth bucket, and drawdown assumptions together.
This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.
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Reviewed Aug 9, 2026 · Methodology
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Why This Matters
Retirement Cash Bucket Planner helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.
How to Use It
- 1Enter your numbers in the input panel.
- 2Review the live results and interpretation on the right.
- 3Use the diagnostic outputs to compare options or plan the next step.
- 4Use the related links below if you want to move from analysis to action.
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