URetireWise

Plan your retirement with confidence using the proven 5-year bucket strategy — the same drawdown framework used by professional financial planners.

WHAT IS THE BUCKET STRATEGY?
Instead of withdrawing randomly from one pool, your retirement savings are split into three buckets:

• Cash (0–5 yrs): Covers near-term spending so you never sell investments in a down market
• Bonds (5–15 yrs): Lower-risk growth to refill the cash bucket over time
• Equity (15+ yrs): Long-term growth engine that powers your later retirement years

Every 5 years, the bonds and equity buckets automatically refill your cash bucket — smoothing out market volatility over a multi-decade retirement.

KEY FEATURES
• Set your retirement age, portfolio size, annual spending, rental income, and Social Security benefit
• Visualize your portfolio growth across all three buckets from retirement to age 99
• See exactly when your cash refills happen and how Social Security changes your income picture
• Inflation-adjusted projections using the Fisher equation
• Year-by-year breakdown table with income, spending, and portfolio totals

DESIGNED FOR SIMPLICITY
• No account required — everything stays on your device
• No ads, no subscriptions, no in-app purchases
• Dark mode, built natively for iPhone

IMPORTANT DISCLAIMER
Retirement Bucket Planner is an educational planning tool, not financial advice. Projections are hypothetical illustrations based on your inputs and historical averages. Actual returns, inflation, and life events will differ. Please consult a qualified financial advisor before making retirement decisions.