How many years it may last - corpus

Retirement Planning Calculator

Initial Lumpsum Investment (₹):

Current Monthly Expense (₹):

Years to Retirement:

Retirement Tenure (Years):

Pre-Retirement Annual Return (%):

Annual Volatility (Std. Dev. %):

Post-Retirement Annual Return (%):

Inflation Rate (%):

Annual SIP Step-up (%):

Stress Test Scenarios (Optional)

Year of Crash:

Crash Magnitude (%):

Sideways Market Start Year:

Sideways Market End Year:

Sideways Annual Return (%):

Future Monthly Expense:

Required Corpus (Goal):

Initial Monthly SIP:

Total Invested:

Cost of Delay Analysis

Delay Start By (Years):

Impact of Delay

Delaying your investment start by years has a significant impact on your required monthly SIP to meet the same goal.

Scenario	Initial Monthly SIP	Total Invested
Start Now
Start Later

The **Cost of Delay** is a **%** increase in your initial monthly SIP.

Corpus Longevity Simulator

Find out how long an existing corpus will last with a fixed withdrawal.

Initial Corpus (₹):

Monthly Withdrawal (₹):

Annual Return (%):

Annual Volatility (%):

Inflation Rate (%):

Stress Test Scenarios (Optional)

Year of Crash:

Crash Magnitude (%):

Sideways Market Start Year:

Sideways Market End Year:

Sideways Annual Return (%):

Corpus Longevity Outcomes

Based on your inputs, here is the simulated longevity of your corpus:

• There is an **80% chance** your corpus will last for at least ** years**.
• The **median outcome** (50% chance) is that your corpus will last for ** years**.
• There is a **20% chance** your corpus will last for at least ** years**.
• In the **best 10%** of outcomes, your corpus lasts for ** years or more**.

Summary of Your Plan

• Current Lifestyle: ₹ per month.
• Inflation Impact: We've factored in an annual inflation rate of % to estimate the future value of your expenses.
• Pre-Retirement Phase (Accumulation):
  • Duration: years
  • Expected Annual Return: % with % Volatility
  • SIP Growth: Your monthly investment will increase by % annually.
• Post-Retirement Phase (Withdrawal):
  • Duration: years
  • Expected Annual Return: %
  • Your retirement funds will need to grow at a rate that beats inflation to last the entire tenure.

Probable Outcomes (Monte Carlo Simulation)

• Future Monthly Expense: You will need approximately per month to maintain your current lifestyle in retirement.
• Required Corpus (Goal): The total amount you need to accumulate is ****.
• Initial Monthly SIP: Based on your volatility, you will need to start with an SIP of **** to have an 80% chance of reaching your corpus goal.
• Total Investment: Your total out-of-pocket investment over the entire period will be ****.

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• Worst 10% of Outcomes (0-10%): to
• Below-Average Outcomes (20-30%): to
• Average Outcomes (45-55%): to
• Above-Average Outcomes (70-80%): to
• Best Outcomes (90-100%): to