Kalculate

Stress-test your retirement plan

Your withdrawal plan assumes average returns and today's tax rates. See what happens if markets are bad early on, taxes rise, or returns are just genuinely random — and the safe withdrawal rate each scenario actually needs.

Starting point

Matches your Retirement plan and updates automatically if you change it. Edit anything below to try your own numbers — nothing here is saved back.

₹11.1 Cr
₹3.16 lakh

Taxes

Market scenario

A bad market in your first few retirement years hurts far more than the same bad years averaged over decades — this is called sequence-of-returns risk.

Monte Carlo

Runs many random return sequences instead of one average path, and reports what fraction survive. This is separate from the chart above — it doesn't change those lines, it shows results in its own card below once you run it.

Uses your tax settings above (off) — but replaces the Market scenario preset with its own randomized returns (the mean/volatility below), so Flat Markets / Downturn are ignored while this runs. Think of Monte Carlo as an alternative to the Market scenario card, not an addition to it.

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Scenario: No changes yet — same as your baseline plan

Baseline safe monthly draw
₹3,08,746
Runs out at age 88
Under this scenario
₹3,08,746
No scenario applied yet

Corpus: baseline vs. scenario

BaselineThis scenario
Baseline lasts to age 88. Under this scenario (No changes yet — same as your baseline plan), it runs out at age 88.

A branded, styled workbook with your full year-by-year schedule (and Monte Carlo percentile bands, if run) — built to keep exploring in Excel or Sheets, not just a static export.

Frequently asked questions

What is a retirement stress test?▾
It takes the withdrawal plan you've already built and asks 'what if things go worse than assumed?' — a bad market in your first few retirement years, higher capital gains tax, or genuinely random year-to-year returns (Monte Carlo). It shows the safe withdrawal rate you'd need under each scenario, not just the rosy-average case.
Why does the first few years of bad markets matter more than the average?▾
This is called sequence-of-returns risk. A portfolio that averages 10%/year over 30 years can still fail if the first 3-5 years are bad, because you're selling shares at depressed prices to fund withdrawals early on, leaving less principal to recover when markets do. Long-run averages hide this risk completely.
How is capital gains tax modelled?▾
The tax rate applies only to the gains portion of each withdrawal (not the whole amount, and never to your total corpus) — matching how LTCG actually works. You can set the rate, what share of a withdrawal is gains, and optionally step the rate up after N years to see the impact of future tax changes.
Is the Monte Carlo simulation realistic?▾
It's a simplified model — each year's return is drawn independently from a normal distribution around your assumed mean and volatility. Real markets have fatter tails and bad years cluster together more than a bell curve suggests, so treat the output (like '83% of scenarios survived') as illustrative, not a guarantee.
Does Monte Carlo change the chart above it?▾
No. The 'Corpus: baseline vs. scenario' chart always shows one deterministic line per case — your average-return baseline and your current tax/market scenario. Monte Carlo runs hundreds or thousands of separate random-return paths on top of that same scenario and reports what fraction of them survived, plus how the ending corpus was spread out (10th/50th/90th percentile) — shown in its own card below, not drawn onto the chart.
Does this change my Retirement or Withdrawals plan?▾
No. This page starts from your Withdrawals numbers as a snapshot, but nothing here is saved back — it's a sandbox for trying things out, completely separate from your actual plan.