Rytvae Consulting · Think Right · Invest Right
Retirement Stress Test
Result
Chart
Show formula & working
Each scenario recomputes: corpus needed = PV at retirement of inflation-rising yearly withdrawals; on-track corpus = savings grown + step-up SIP; gap = on-track − needed; extra SIP = shortfall ÷ value of a ₹1 step-up SIP
Details
How this works
A plan built on average assumptions fails half the time. Stress-testing shows how much margin you have if things go worse than expected.
The combined scenario is deliberately harsh; a plan that survives it is robust.
Frequently asked questions
Which risk matters most?
Usually longevity and inflation for long retirements; lower returns hurt most for young savers.
What about market crashes?
The Monte Carlo simulator models random good and bad years.