Master Inputs · Forward Projection · Reverse Calculator · Multi-currency
FX today is used for current net worth. FX at retirement is used for retirement and future projections. The six standard currencies (INR, USD, AED, GBP, EUR, SGD) are always shown. Use the + Add currency button to add any other currency — JPY, CHF, CAD, AUD, or any other. Type the 3-letter currency code and enter the FX rates.
| Currency | FX Today (1 unit = ₹ how much) | FX at Retirement | Status |
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Financial assets are grouped together below. Real estate properties are captured in a separate property register so rent, maintenance and sale-year links are easier to follow.
Use this for investments, debt, equity, mutual funds, bank cash, emergency cash, gold, insurance maturity values, pension corpus and other non-property assets.
| Reference | Asset name | Asset type | Currency | Amount | Unit | Growth / return % | Tax rate % | Sale / maturity year | Treatment | Notes | Value today | Value at retirement | Action |
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Use this for real estate properties only. A property name entered here will appear in linked income, expense and event dropdowns. Sale year 0 means the property is retained and counted as net worth only.
| Reference | Property name | Asset type | Currency | Property value | Unit | Appreciation % | Capital Gains Tax % | Sale year | Treatment | Notes | Value today | Value at retirement | Action |
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Choose a clear income type from the dropdown. For savings or income streams, start year and end year are used directly. Rent can be linked to a property so it stops from that property’s sale year.
| Reference | Income or saving name | Income type | Currency | Linked asset | Monthly amount | Unit | Start year | End year | Growth / increase % | Tax rate % | Treatment | Notes | Years | Calculated value / impact | Action |
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Choose a clear expense type from the original planner list. Lifestyle inflation applies to lifestyle rows. Medical inflation applies only to healthcare and insurance premium rows. If an expense is linked to a property, it stops from that property’s sale year.
Use this table for monthly household and lifestyle spending.
| Reference | Expense type | Optional description | Currency | Monthly amount | Unit | Start year | End year | Inflation type | Phase reduction applies? | Linked asset | Use in Reverse Calculator? | Notes | Retirement year cost | Action |
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Use this table for annual travel, healthcare, insurance, repairs, subscriptions, professional fees and other yearly costs.
| Reference | Expense type | Optional description | Currency | Annual amount | Unit | Start year | End year | Inflation type | Phase reduction applies? | Linked asset | Use in Reverse Calculator? | Notes | Retirement year cost | Action |
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Use this for car purchase, home repairs, liabilities, gifts, asset sales not already captured in the Asset Register, inheritance, or other one-time events.
| Reference | Event name | Event type | Currency | Amount | Unit | Event year | Linked asset | Treatment | Notes | Retirement impact | Action |
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Premiums are treated as expenses. Maturity/surrender values can become investable corpus, cash, emergency reserve, or remain excluded. Term insurance death benefit should not be counted as retirement corpus.
| Reference | Policy name | Policy type | Currency | Annual premium | Premium unit | Premium inflation | Maturity year | Maturity value | Maturity unit | Treatment | Notes | Premium at retirement | Maturity impact | Action |
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Your Forward Planner shows one version of your retirement — the most likely path if markets behave roughly as you assumed. But the real world does not follow a straight line. Some years markets crash. Some years inflation spikes. Some years your rent income falls. A good retirement plan should survive not just the average future — but a wide range of futures.
A Monte Carlo simulation runs your retirement plan 2,000 times, each time with a different random combination of returns, inflation, and income shocks. Some runs are lucky. Some are unlucky. Some are terrible. At the end, it counts: in how many of these 2,000 futures did your money last?
Think of it like a flight simulator for your retirement. A pilot does not just plan for clear skies — they train for turbulence, storms, and engine failures. This test does the same for your finances. The goal is not to scare you — it is to show you how much buffer your plan has, and where it is thin.
After running the simulation you will see three key outputs. Here is how to read them:
The survival rate (e.g. "82% survived") means: in 82 out of 100 simulated futures, your corpus lasted all the way to your planned age without running out. Higher is better. Above 85% is comfortable. Below 60% means the plan needs attention.
The "corpus hit zero" count is how many simulations ran out completely. If you see this number and feel panic — read on. It is not what it looks like.
This is the number that causes heart attacks. Here is the honest context:
The simulation models a robot version of you — one that spends exactly the same amount every single year for 25–30 years, never adjusts, never sells a property, never reduces discretionary spending, never asks children for support, never does anything different even as the situation changes.
Real people are not robots. In real life, if markets are bad for 3 years running, you would notice and adapt. You would skip the international holiday. Delay the new car. Reduce dining out. These small adjustments — invisible to the simulation — have an enormous effect on corpus survival. The model cannot simulate your judgement. You can.
So treat "corpus hit zero in X% of simulations" as: "if I never adapted at all, X% of futures would have been painful." Not as a prediction.
The worst-case fire drill. Active wars, major sanctions, supply-chain collapse. Equity markets crash 30–50%, inflation surges to 13–15%, rental income is disrupted. This is not a forecast — it is a stress test of your plan's worst-case resilience.
The world as it largely is today. Trade wars, INR under pressure, regional tensions. Equity returns subdued, inflation 2–4pp above normal, rental yields soften. The most relevant scenario for current planning.
Growth stalls but inflation stays high — the 1970s playbook. Equities deliver poor real returns, fixed income gets eroded, costs creep up steadily. A realistic bad-decade scenario, not a catastrophe.
Your own plan's assumptions with normal market volatility. No extra stress, no extra tailwind. Run this first — if your survival rate here is below 85%, revisit your Master Inputs before looking at stress scenarios.
Everything goes better than planned. Equity outperforms, inflation is tame, rental income grows above expectation. Your upside case. Do not plan your spending to this level.
Run all five scenarios one by one, then look at the comparison bar at the bottom. The gap between Crisis and Bull tells you how much your plan depends on market luck vs your own expense discipline. A plan that survives well even in Stagflation is a robust plan.
Go to Master Inputs first and make sure your assets, expenses, income streams, and retirement year are all filled in correctly. The MC uses your actual planner data — garbage in, garbage out.
Start with the Base Case scenario (green card). Click it, then hit Run. If your survival rate here is below 85%, your inputs or assumptions need reviewing before looking at stress scenarios.
Run High Unrest next (orange card) — this is closest to current real-world conditions. This result is your most actionable number.
Run Stagflation and Crisis to understand your downside range. If Crisis wipes out survival rate, that is fine — it is designed to be severe. What matters is whether Stagflation and Base Case look healthy.
Read the commentary that appears below the results. It explains in plain English what the numbers mean for your specific situation and what — if anything — you should do about it.
Run Bull Market last to see the upside. The difference between your Bull and Crisis median corpus is the range of outcomes your plan faces — and your job is to make sure even the bad end of that range is acceptable.
| Parameter | Crisis | High Unrest | Stagflation | Base Case | Bull Market |
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Two methods — the higher one wins
Income-basis method
Year-1 gap ÷ your post-tax return. Assumes the corpus lives forever on returns alone — a conservative perpetuity estimate. Good if you want to never touch principal.
PV drawdown method
Present value of all gaps across your full projection. More precise — accounts for inflation, phase reductions, income streams ending, and your legacy target.
The Recommended Corpus is whichever of these two is higher — giving you the more conservative, safer number.
📊 How to use this number
Each row shows what your corpus must cover that year — expenses after offset income. The PV column shows how much of your Day-1 corpus is allocated to that year's gap.