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Calculators

Retirement Stress Test Sandbox

Check sequence-of-returns risks, simulate capital gains taxes, and run real-time Monte Carlo simulations to see if your plan survives random market returns.

🌱 Starting point

These define your baseline retirement setup before applying any stress scenarios.

Withdrawals start at age 55
Plan until age 90
Corpus at retirement start
₹
₹11.14 Cr
Monthly spend, in today's rupees
₹
₹3.16 Lakh

⚖️ Taxes

📉 Market sequence shocks

A downturn early in retirement hurts far more due to Sequence of Returns Risk.

Shock return rate -10%
Duration of shock (years) 3

🎲 Monte Carlo Engine

Simulate hundreds of randomized market return sequences and calculate plan survival probabilities.

Simulate paths count
Assumed mean return 12%
Assumed volatility (std-dev) 19%
₹3,08,746
Runs out at age 88
₹3,08,746
No scenario applied yet
Monte Carlo Result

83% survived

Out of 1,000 trials, 830 successfully sustained withdrawals until age 90 under these settings.

₹0
₹0
₹0

💡 Note: Years are drawn independently from a normal distribution. Real markets cluster bad years more than this model suggests.

💾 Export Reports

Save reports to document your stress test.