Estimate your corpus target and monthly SIP requirement
Your Details
yrs
yrs
₹
yrs
% p.a.
% p.a.
%
Net return = gross × (1 − LTCG%)
% p.a.
₹
Corpus Needed at Retirement
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Monthly SIP Required
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Monte Carlo Simulation
Advanced
Runs 10,000 simulated market scenarios using the volatility assumptions below to estimate the probability your corpus never runs out. Adjust the volatility to reflect your asset allocation — a more conservative post-retirement portfolio will have lower volatility.
Inflation vol: ±2% std devSimulations: 10,000
% std dev
Higher = more equity-heavy
% std dev
Lower = more conservative allocation
₹
Shown as the last row in the table
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How more SIP improves your odds
Monthly SIP
Success Probability
vs Base
Running simulations…
Important Assumptions & Limitations:
LTCG is simplified. The calculator taxes the entire post-retirement return at the LTCG rate (r_net = r_gross × (1 − LTCG%)). In reality, only the gain component of each redemption is taxed, and the ₹1.25L annual exemption applies. This approach is a conservative approximation.
Market returns are not guaranteed. The Monte Carlo uses your chosen portfolio volatility assumptions as proxies for return uncertainty. Actual outcomes depend on your specific asset allocation and market conditions.
Inflation may vary. Healthcare and lifestyle inflation in retirement often exceed general CPI. The model uses your input rate with ±2% random variation in the simulator.
No legacy goal. The corpus is sized to draw down to zero at life expectancy. For an estate, the required corpus will be higher.
For illustrative purposes only. This tool does not constitute financial, tax, or investment advice. Please consult a SEBI-registered investment adviser before making financial decisions.
