Retirement Goal Calculator
Scenario Comparison
| Metric |
Scenario 1 |
Scenario 2 |
Scenario 1 + Increased SIP |
| Future Monthly Expense |
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| Required Corpus |
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| Initial Monthly SIP |
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| Total Lumpsum Invested |
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| Total Invested (SIP + Lumpsum) |
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Monte Carlo Simulation Results
| Percentile Range |
Scenario 1 |
Scenario 2 |
Scenario 1 + Increased SIP |
| **Success Rate** |
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| **90th - 100th** |
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| **70th - 80th** |
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| **45th - 55th** |
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| **20th - 30th** |
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| **0th - 10th** |
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Summary of Your Plan
| Metric |
Scenario 1 |
Scenario 2 |
Scenario 1 + Increased SIP |
| Years to Retirement |
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| Pre-Retirement Return |
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| SIP Step-up |
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| Retirement Tenure |
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| Post-Retirement Return |
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| Required Corpus |
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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:
- Your retirement funds will need to grow at a rate that beats inflation to last the entire tenure.
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:
- Your retirement funds will need to grow at a rate that beats inflation to last the entire tenure.
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:
- Your retirement funds will need to grow at a rate that beats inflation to last the entire tenure.
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 ****.
Visual Analysis
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