Retirement Calculator with Reports - Ver 4

Retirement Calc SWP ver 5

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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Deterministic Stress Test Parameters (Applies to Equity Only)

These settings only apply to the **Deterministic Yearly Summary** below and override the average returns for **LAE and MAE** during the specified periods.

Equity Drop Percentage (%)

Applied as a single event in the drop month.

Drop Year (1 to N)

Sideways Annual Return (%)

Applied to LAE/MAE only.

Sideways Duration (Years)

Sideways Start Year (1 to N)

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Systematic Withdrawal Plan (SWP) Schedules

Withdrawals follow the fixed Waterfall: Debt → LAE → MAE. All amounts are *initial* monthly SWP amounts.

Initial Monthly SWP (Rs.)

Start Month

Increase Rate (%)

Increase Frequency (Yrs)

End Month (Optional)

Amount (Rs.)	Start/End Month	Increase Rate (%)	Increase Freq (Yrs)	Action

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Systematic Transfer Plan (STP) Schedules

Transfers are from Debt to Equity (LAE/MAE). STPs are tax-free.

Monthly STP Outflow (Rs.)

Start Month

Split to LAE (%)

End Month (Optional)

Amount (Rs.)	Start/End Month	Split to LAE (%)	Action

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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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Scenario Toggles

📈 Client Investment Feasibility Report

1. Executive Summary

This analysis assesses the probability of success for the client's Withdrawal Plan over the 20-year horizon using 5000 Monte Carlo simulations.

Key Metric	Result	Interpretation
**Success Rate** (Portfolio not depleted)	0.0%	Run simulation to view results.
**Median Final Corpus** (Real Terms)	Rs. 0
**Worst-Case Final Corpus** (Real Terms)	Rs. 0	Remaining corpus in the bottom 10th percentile scenario.

2. Monte Carlo Risk Analysis (Single Percentile Figures)

Scenario Percentile	Nominal Remaining Corpus	Inflation-Adjusted Corpus

3. Deterministic Stress Test Results

Analysis of the portfolio under a defined severe market scenario (Stress toggled: ON).

Metric	Value (Rs.)
Initial Corpus	Rs. 0
Total SWP Withdrawal (Nominal)	Rs. 0
Total Taxes Paid (Estimated)	Rs. 0
Final Remaining Corpus (Nominal)	Rs. 0

4. Detailed Yearly Summary (For Internal Use)

Click "Run Simulations" to generate the detailed summary.

Year	Actual Nominal Withdrawal	Monthly SWP Base (For Comp.)	From Debt	From Equity	Debt Remaining	LAE Remaining	MAE Remaining	Taxes Paid (Yearly)	Total Remaining