Comprehensive Retirment Planning - Ver 5

Ultimate Financial Simulation Calculator with Rebalancing

Initial & Core Inputs

Initial Corpus (₹)

Total Simulation Years

Inflation Rate (%)

Rebalance Frequency (Years, 0=Never)

Tax Logic Applied (Debt: 20%, Eq. STCG: 20%, Eq. LTCG: 12.5%)

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Asset Allocation (%)

Initial Allocation (Sum must be 100%)

Debt (%)

Less Aggressive Equity (%)

More Aggressive Equity (%)

Target Rebalance Allocation (Sum must be 100%)

Debt (%)

Less Aggressive Equity (%)

More Aggressive Equity (%)

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Asset Class Returns & Volatility

Debt Fund Return (%)

Debt Volatility (%)

Inflation Volatility (%)

Less Aggressive Equity Return (%)

Less Aggressive Volatility (%)

More Aggressive Equity Return (%)

More Aggressive Volatility (%)

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⚙️ Stress Test Scenarios (Overrides Monte Carlo)

Market Drop Tests (Single Year Crash)

Drop Percentage (%) Year of Drop Action

Sideways Market Tests (Period of Low Returns)

Annual Return (%) Start Year End Year Affects Asset Class Action

All Equity (LAE/MAE) Less Aggressive Eq. More Aggressive Eq.

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🗓️ Financial Schedules (Inflows & Outflows)

1. Withdrawal Schedules (SWP & Step-up)

Amount (₹)Frequency (n)Start YearIncrease Rate (%)Increase Freq (Years)Stop Increase Year (0=Never)Action

Annual (n=1) Half-Yearly (n=2) Quarterly (n=4) Monthly (n=12)

2. Lumpsum Transactions (One-time Add/Withdraw)

Amount (₹)Transaction TypeYear of TransactionTarget Asset ClassAction

Addition (+)Withdrawal (-) DebtLess Aggressive Eq.More Aggressive Eq.Auto-allocate (Debt First)

3. SIP Schedules (Recurring Additions)

Amount (₹)Frequency (n)Start YearStop YearTarget Asset ClassAction

Annual (n=1) Half-Yearly (n=2) Quarterly (n=4) Monthly (n=12) Less Aggressive Eq.More Aggressive Eq.

4. STP Schedules (Debt to Equity Transfer)

Amount (₹)Frequency (n)Start YearStop Year% to LAE (Rest to MAE)Action

Annual (n=1) Half-Yearly (n=2) Quarterly (n=4) Monthly (n=12)

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Your Current Plan Analysis

₹0

Initial Corpus

₹0

Total Lumpsum Withdrawn (Avg. Across Simulations)

₹0

Total Taxes Paid (Median Across Simulations)

⚠️ Sequence of Return Risk Analysis

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Median Case Analysis (Post-Tax Final Corpus)

Scenario	Nominal Remaining Corpus	Inflation-Adjusted Corpus
Worst Case (0-10th)
Bad Case (20-30th)
Median Case (45-55th)
Good Case (70-80th)
Best Case (90-100th)

Corpus Preservation Checkpoints (Median Case)

Year	Corpus Remaining	% of Initial Corpus

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Year-by-Year Analysis (First Successful Simulation)

Note: The simulation runs on a **monthly** basis. Balances shown are **End-of-Year**.

Year	Nominal WD	Inflation-Adj. Need	Total Inflow (SIP+LS)	From Debt (WD)	From Equity (WD)	Debt Remaining	LAE Remaining	MAE Remaining	Taxes Paid	Total Remaining

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