Retirement Planning Calculator
Compare two scenarios and see probabilistic outcomes with a Monte Carlo simulation.
Scenario 1
Lump Sum Investments
Post-Retirement Income Streams
Scenario 2
Lump Sum Investments
Post-Retirement Income Streams
General Inputs
SIP Increment Simulation
Scenario Comparison
| Metric | Scenario 1 | Scenario 2 | Scenario 1 + Increased SIP |
|---|---|---|---|
| Future Monthly Expense | |||
| Required Corpus | |||
| Initial Monthly SIP | |||
| Total Lumpsum Invested | |||
| Total Invested (SIP + Lumpsum) |
Monte Carlo Simulation Results
Based on 5,000 simulations with market volatility.
| Scenario 1 | |
|---|---|
| Success Rate | |
| 90% (Optimistic) | |
| 75% (Likely) | |
| 50% (Median) | |
| 25% (Pessimistic) | |
| 10% (Highly Pessimistic) | |
| Scenario 2 | |
|---|---|
| Success Rate | |
| 90% (Optimistic) | |
| 75% (Likely) | |
| 50% (Median) | |
| 25% (Pessimistic) | |
| 10% (Highly Pessimistic) | |
| Scenario 1 + Increased SIP | |
|---|---|
| Success Rate | |
| 90% (Optimistic) | |
| 75% (Likely) | |
| 50% (Median) | |
| 25% (Pessimistic) | |
| 10% (Highly Pessimistic) | |
Visual Analysis
Retirement Corpus Growth Over Time
Monte Carlo Simulation Distribution
Corpus Contribution Breakdown
Summary of Your Plan
| Metric | Scenario 1 | Scenario 2 | Scenario 1 + Increased SIP |
|---|---|---|---|
| Years to Retirement | |||
| Pre-Retirement Return | |||
| SIP Step-up | |||
| Retirement Tenure | |||
| Post-Retirement Return | |||
| Required Corpus |
Scenario 1 - Detailed Breakdown
- 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:
- SIP Growth: Your monthly investment will increase by annually.
- Lump Sums: You have planned a total of lump-sum investments, which will contribute significantly to your goal.
Post-Retirement Phase (Withdrawal):
- Duration: years
- Expected Annual Return:
- External Income: You have planned recurring income stream(s) which will help cover expenses.
Probable Outcomes
- Future Monthly Expense: You will need approximately per month to maintain your current lifestyle in retirement.
- Required Corpus: The total amount you need to accumulate is ****.
- Initial Monthly SIP: To reach your goal, you'll need to start with an SIP of ****.
- Total Investment: Your total out-of-pocket investment (SIP + Lumpsum) over the entire period will be ****.
Scenario 2 - Detailed Breakdown
- 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:
- SIP Growth: Your monthly investment will increase by annually.
- Lump Sums: You have planned a total of lump-sum investments, which will contribute significantly to your goal.
Post-Retirement Phase (Withdrawal):
- Duration: years
- Expected Annual Return:
- External Income: You have planned recurring income stream(s) which will help cover expenses.
Probable Outcomes
- Future Monthly Expense: You will need approximately per month to maintain your current lifestyle in retirement.
- Required Corpus: The total amount you need to accumulate is ****.
- Initial Monthly SIP: To reach your goal, you'll need to start with an SIP of ****.
- Total Investment: Your total out-of-pocket investment (SIP + Lumpsum) over the entire period will be ****.
Scenario 1 + Increased SIP - Detailed Breakdown
- 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:
- SIP Growth: Your monthly investment will increase by annually.
- Lump Sums: You have planned a total of lump-sum investments, which will contribute significantly to your goal.
Post-Retirement Phase (Withdrawal):
- Duration: years
- Expected Annual Return:
- External Income: You have planned recurring income stream(s) which will help cover expenses.
Probable Outcomes
- Future Monthly Expense: You will need approximately per month to maintain your current lifestyle in retirement.
- Required Corpus: The total amount you need to accumulate is ****.
- Initial Monthly SIP: To reach your goal, you'll need to start with an SIP of ****.
- Total Investment: Your total out-of-pocket investment (SIP + Lumpsum) over the entire period will be ****.
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