Built for Retirement Advisors

Bucket Model Selection Tool

Help your clients choose the right retirement bucket strategy — confidently and clearly.

Model key variables like:

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Years of expenses to hold

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Coverage of essential vs discretionary spending

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Dynamic glidepaths over time

Try the calculators

No sign-up needed.

Video walkthrough

Getting started video.

Retirement conversations are complex. Clients expect clarity.

Run powerful scenarios — calculating required corpus, sustainable spending, and legacy outcomes — so you can confidently recommend the right bucket strategy for every client.

Turn complex retirement decisions into clear conversations.

Create simple bucket strategies your clients can understand and implement.

Model real world trade-offs

Simulate key outcomes — legacy, maximum sustainable spending, and income needs — with precision.

Differentiate your advisory practice

Solve the hardest problem in bucketing — helping clients clearly see how their strategy evolves over time.

Present outcomes with confidence

Visualize bucket values and glidepaths through clear, intuitive graphs clients can easily follow.

Why bucketing over traditional fixed asset allocation (FAA)?

Separate essential vs discretionary

Bucketing helps separate essential vs discretionary expenses for better decision-making.

Avoid over-allocating to debt

Bucketing avoids over-allocating to debt — especially for early retirees.

Debt assigned only to spending needs

Legacy stays entirely in growth investments — not part of the debt allocation.

To know more, read FAQ.

Choose a calculator

Each calculator addresses a critical retirement planning question.

Calculate retirement corpus required

Calculate the minimum initial retirement corpus needed based on your expenses, legacy goals, and safety requirements.

Calculate final legacy

Determine the maximum legacy amount you can leave behind given your initial corpus and expense requirements.

Calculate maximum discretionary spending allowed

Find the maximum discretionary expenses you can afford while maintaining your retirement goals and safety buffer.

Calculate Maximum Safety Levels Allowed Under Bucket Approach

Calculate the maximum years of expenses you can hold in low-risk assets while meeting your retirement goals.

Calculate Minimum Working Years in Retirement

Find the minimum years you need to work in retirement to sustain your corpus and planned goals.

Calculate Minimum Reverse Mortgage Income Required

Determine the minimum annual income needed from a reverse mortgage to sustain your retirement portfolio.

Pricing & Access

Free

Calculators

Free to use

Access all six retirement planning calculators with no commitment required.

Advanced features

Paid

Embeds, PDF & Excel reports, and client management login.

Grow your advisory practice

Cherish Buckets helps you

• Clarify bucketing strategy for clients with ease

• Generate professional reports in Excel and PDF

• Let retirees revisit and adjust their bucket strategy over time

• Convert prospects by embedding calculators on your website

This platform is built to support advisory conversations. Use it alongside your planning framework to generate clarity and decision confidence.

Grow your advisory practice

Try the calculators

No sign-up needed.

Simple bucket strategies your clients can follow

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Disclaimer:

The content and tools on this website are provided for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice.

All calculations, projections, and outputs are provided for illustrative purposes only. We make no representations or warranties as to their accuracy and assume no responsibility for errors, omissions, or outcomes resulting from their use.

These tools are not a comprehensive financial plan and should not be relied upon as the sole basis for making financial decisions. Actual results may vary due to market conditions, inflation, taxes, spending behavior, and other factors.

Users are encouraged to consult a qualified financial professional, preferably acting in a fiduciary capacity, before making any significant financial or retirement-related decisions. All content and tools are provided “as is,” without warranties of any kind.