Sequential Funding · FIRE · Monte Carlo · Stress Test
Core Inputs
12%
6%
📈 Step-Up SIP NEW
10%
SIP grows 10%/yr · Y1: ₹— → Y5: ₹—
🏛️ EPF / NPS / PPF NEWⓘ
Why enter EPF/NPS/PPF?
These are guaranteed retirement savings separate from your equity portfolio.
Enter the projected corpus at retirement — this reduces your FIRE gap directly.
Enter projected corpus at retirement from EPF, NPS, PPF — reduces FIRE shortfall.
Total guaranteed: ₹0
🏠 Property / Real Estateⓘ
How property sale works:
If you plan to sell a property at a certain age, that sale proceeds act as a lump-sum addition to your corpus at that exact point in time.
This is integrated directly into the waterfall simulation — if you sell at age 62, the amount is added to your corpus in year (62 − FIRE age) of retirement, reducing withdrawals needed thereafter.
For rental income, use the Passive Income section below.
Property sale proceeds added as lump-sum to corpus at the age you sell.
💵 Passive Income After FIREⓘ
What is passive income here?
Any regular income you expect after retirement — pension, rental income, part-time consulting, annuity payouts, etc.
This amount is deducted from your monthly expense requirement each year, reducing how much you need to withdraw from your corpus.
Example: If monthly expense = ₹80,000 and pension = ₹20,000/mo, only ₹60,000/mo needs to come from corpus → reduces required corpus significantly.
Monthly passive income reduces your corpus withdrawal requirement each year (grows with inflation).
🔥 FIRE Mode
8%
3.5%
📉 Equity Glide Path NEWⓘ
What is a Glide Path?
Equity allocation reduces as you age in retirement:
Age FIRE–+10: 70% equity · +10–20: 50% · 20+: 30%
Protects against market crashes later in life.
Age FIRE–+10: 70% equity · +10–20: 50% · 20+: 30%
LTCG Tax 12.5% on withdrawals
Your Goals
Results
⚡
Your FIRE Action Plan
Calculated from your numbers — not generic advice
📅 Corpus Survival Analysis
🔭 Corpus Sensitivity — SWR vs Inflation Rate
Highlighted = your settings · Values in Crores · Based on ₹—/mo inflated expense
Goal
Monthly SIP*
Target
Projected
Today's Value
Status
*Standalone SIP from ₹0. Existing portfolio reduces actual SIP needed.
Portfolio Journey — Deterministic
🎲 Retirement Corpus Stress Test
3,000 simulations · Real Indian market data 1990–2025 · Age 90 horizon
Why this matters: Markets crashed −51.8% in 2008 and surged +75.8% in 2009. This test shuffles 35 years of real Indian data 3,000 times to find your actual probability of corpus survival to age 90.
0%
🔥 Survival Heatmap
Corpus vs Monthly Expense — survival probability
Each cell = survival % for that corpus and monthly expense (inflation-adjusted at retirement). Green = safe · Red = risky. Outlined = your scenario.
0%
Tap cell for details · 500 sims per cell · Expense = inflation-adjusted at retirement
📄
Download PDF Report
Full plan · Inputs · Goals · FIRE corpus · Stress test · Chart
Important Disclaimer
This report is generated by the Wealthpedia Multi-Goal FIRE Planner for informational and educational purposes only. All projections are based on assumed constant returns and may not reflect actual market performance. Past returns are not indicative of future results. This does not constitute financial advice. Please consult a SEBI-registered investment advisor before making any investment decisions.
Wealthpedia · wealthpedia.in