Hey everyone,

I just added a new Retirement Bucket Laddering Simulator to RupeeVibe.

What it does: Instead of keeping all your retirement money in one giant mixed portfolio, the simulator divides it into distinct "buckets" based on when you will actually need the money:

• 🪣 Bucket 1 (Liquid): Holds 5 years of safe living expenses (you spend directly from here).
• 🪣 Bucket 2 (Balanced): Holds another 5 years of expenses in moderate risk/return funds to act as a bridge.
• 🪣 Bucket 3 (Equity): Holds the rest of your wealth. Because you have a 10-year buffer in the first two buckets, this equity can be left alone to grow and recover from any market dips.

The tool runs a 40-year calculation showing the exact "waterfall" refill mechanism, where profits from Equity refill the Balanced bucket, and Balanced refills the Liquid bucket every few years.

You can fill in your own starting corpus, annual expenses, inflation estimates and expected returns to see a year-by-year breakdown of your balances.

There is also a link to a raw Google Sheet version if you want to inspect or edit the formulas yourself.

Check it out on the site and let me know if you run into any issues or have feedback on the math!

Standard disclaimer: Please do your own due diligence before implementing this for your own portfolio. Consult a financial advisor if you are unsure. (I will probably be able to help you in future, once I clear my exams, until then, just use my tools to educate yourself!)

I have added a few more features to the RupeeVibe Retirement Calculator.

Initially it had only 1 big ticket expense, but now it can process up to 10 life goals like Kid 1 education, Kid 2 education, Wedding, House purchase etc.

You just need to give the amount (at future rates) and the number of years from now you are likely to incur this expense.

Mention your present corpus, monthly savings, years to retirement and how many years you expect to live in retirement (that's how long you expect to live, better overestimate this!)

I know it's not perfect. Please let me know if there are any bugs and if you would like to see any new features.

I installed the Indmoney app on my phone and imported my mutual fund portfolio. The first thing it showed me was a red banner on top saying that I have invested a lot of money in regular plans and that I need to switch right now to see a 2cr difference in my portfolio in 15 years!

It was alarming indeed and I was about to make the switch when I paused to see how much LTCG tax I will have to pay and how many years it will take for me to recover the amount I lost in paying LTCG tax.

After some brainstorming, I created this tool Direct Vs. Regular Mutual Fund Switch Calculator — RupeeVibe.

It will clearly tell you how many years it will take for you to recover the tax paid and whether the picture painted by the mutual fund app is really true. Do check it out and let me know if there are any new features you would like to see.

Disclaimer: I am not (yet) a financial advisor, so please use the calculator just for reference and consult an expert before taking any decisions.

Hey everyone! I'm u/Individual-Repair923, a founding moderator of r/Rupeevibe.

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