Planning
Scenario planning studio
Stop re-running the same calculator with different numbers. Enter the plan once, see conservative, base and optimistic futures side by side — with what each assumption changes.
The plan — one set of facts, three futures
These inputs are the same across all three scenarios; only the return and inflation assumptions change.
Conservative
Base
baseOptimistic
| At retirement | Conservative | Base | Optimistic |
|---|---|---|---|
| Corpus | ₹9,27,82,801 | ₹15,24,13,832 | ₹26,69,47,584 |
| vs base | −₹5,96,31,031 | — | +₹11,45,33,752 |
| Monthly invested (start → at retirement) | ₹25,000 → ₹2,32,932 | ₹25,000 → ₹2,32,932 | ₹25,000 → ₹2,32,932 |
| Invested total | ₹3,39,84,963 | ₹3,39,84,963 | ₹3,39,84,963 |
| Shortfall vs ₹3.00 Cr target | above by ₹6,27,82,801 | above by ₹12,24,13,832 | above by ₹23,69,47,584 |
| Target gap vs base | −₹5,96,31,031 | — | +₹11,45,33,752 |
| Drawdown lasts | 60+ yrs | 60+ yrs | 60+ yrs |
“Drawdown lasts” = how long the corpus funds a monthly need that starts at today's surplus grown at inflation, still growing at inflation, while the corpus compounds at the scenario return. 60+ yrs means it never runs out inside the window shown.
Conservative: The corpus outlasts the 60-year drawdown window at these assumptions.
Base: The corpus outlasts the 60-year drawdown window at these assumptions.
Optimistic: The corpus outlasts the 60-year drawdown window at these assumptions.
What this calculator answers
Enter the plan once — age, surplus, corpus, step-up, EMI, big expenses — and the studio projects it under three assumption sets at once. The table shows corpus at retirement, what you invest, the gap to your target and how long the money lasts after retirement; each row is diffed against the base scenario.
How it is calculated
Monthly compounding at each scenario's nominal return; the existing corpus compounds from month one; the monthly investment is surplus minus any active EMI, stepped up yearly; major expenses deduct in their named year; the post-retirement need grows at inflation while the corpus compounds at the scenario return.
Pure arithmetic on your inputs — no probability of reaching the goal (deliberately), no live market data, no taxes on withdrawal. Inflation above the assumed return is shown, never hidden.
Common questions
Why is there no 'chance of success' percentage?
Because a defensible probability needs a return-distribution model, and a fake one is worse than none. The studio shows honest deterministic ranges instead — the item's own acceptance rules this out until such a model exists.
What do the three scenarios mean?
Whatever you make them: by default conservative is 8% return, base 11%, optimistic 14% — but every number is editable, including inflation per scenario.
How does 'drawdown lasts' work?
After retirement the studio withdraws a monthly need that starts at your surplus grown to that date and keeps growing with inflation, while the rest compounds at the scenario return. It reports how many years that lasts, capped at 60.
Do my inputs leave my browser?
No — nothing is stored on a server. The share link encodes the inputs in the URL itself.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.
Where next
The next step this page's result points to — nothing here recommends any security.