Retirement Calc - with Volatility

Enhanced Retirement Planning Calculator

Compare scenarios with advanced volatility modeling and probabilistic outcomes using Monte Carlo simulation.

Enhanced Risk Modeling

Pre-Retirement Volatility: Accounts for varying market conditions over different time periods

Post-Retirement Volatility: Models sequence of returns risk during withdrawal phase

Dynamic Volatility: Uses different risk levels based on economic cycles and market maturity

Scenario 1

Pre-Retirement Annual Return (%): Post-Retirement Annual Return (%): Inflation Rate (%): Annual SIP Step-up (%):

Lump Sum Investments

Amount (Rs.):

Year (1-20):

Scenario 2

Pre-Retirement Annual Return (%): Post-Retirement Annual Return (%): Inflation Rate (%): Annual SIP Step-up (%):

Lump Sum Investments

Amount (Rs.):

Year (1-20):

General Inputs

Current Monthly Expense (Rs.): Years to Retirement: Retirement Tenure (Years):

SIP Increment Simulation

Increase Initial Monthly SIP by (Rs.):

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)

Enhanced Monte Carlo Simulation Results

Based on 10,000 simulations with advanced volatility modeling and sequence of returns risk.

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:
• 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 ****.

StepUp1').value) / 100; initialSIP = scenario1Data.initialSIP; } else if (scenario === 2) { chartData = scenario2Data; requiredCorpus = scenario2Data.requiredCorpus; lumpsums = lumpsums2; preRetirementReturn = parseFloat(document.getElementById('preRetirementReturn2').value) / 100; postRetirementReturn = parseFloat(document.getElementById('postRetirementReturn2').value) / 100; inflationRate = parseFloat(document.getElementById('inflationRate2').value) / 100; sipStepUp = parseFloat(document.getElementById('sip