Retirement Calc SWP ver 2

Advanced Portfolio Simulation

A Monte Carlo Simulation with FIFO Lot Tracking and Withdrawal Waterfall.

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Simulation Parameters

Initial Corpus (Rs.) Simulation Years Assumed Annual Inflation Rate (%)

Expected Returns & Volatility (Annual %)

Debt (Avg / Std Dev) /

Less Aggressive Equity (LAE) /

More Aggressive Equity (MAE) /

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Recurring Portfolio Additions (SIP / Lumpsum)

Amount (Rs.)

Start Month (1-240)

Frequency Monthly Quarterly Annually One-Time (Lumpsum)

Target Fund Debt Less Aggressive Equity (LAE) More Aggressive Equity (MAE)

Amount (Rs.)	Start Month	Frequency	Target Fund	Action

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Lumpsum Withdrawals

Amount (Rs.)

Month (1-240)

Frequency One-Time Annually Quarterly

Source Fund Debt Less Aggressive Equity (LAE) More Aggressive Equity (MAE)

Amount (Rs.)	Start Month	Frequency	Source Fund	Action

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Systematic Withdrawal Plan (SWP) & STP

SWP (Waterfall: Debt → LAE → MAE)

Initial Monthly SWP Amount (Rs.) Annual SWP Increase Rate (%)

Note: Source fund is fixed by Waterfall Hierarchy.

Systematic Transfer Plan (STP)

Monthly STP Outflow from Debt (Rs.) STP Split to LAE (%)

The remaining % goes to MAE. STPs are tax-free.

Simulation Results

Success Rate (Portfolio not depleted): 0%

Final Average Corpus (Real Terms, Post-Tax): Rs. 0

(Results are averaged over 1000 simulations and adjusted for inflation.)