SIP allocation optimizer

FIRE · Step-up SIP · Tax drag · Drawdown · Monte Carlo · Break-even finder

Core inputs

Current age 30 yrs

1875

Retirement age 50 yrs

3080

Monthly SIP (₹)

Current portfolio (₹)

Monthly expense (₹)

Risk appetite

Inflation 6%

4%12%

Safe withdrawal rate 3.5%

2%6%

Step-up SIP & life expectancy

Annual SIP increase 10%

0%25%

Life expectancy 85 yrs

30100

Goals — corpus deductions at target age

Goal name

Amount (₹)

At your age

Portfolio summary

Projected corpus

—

Pre-tax, at retirement

Post-tax corpus

—

After LTCG & debt tax

Step-up corpus

—

With annual SIP raise

Real value

—

Today's purchasing power

Future monthly expense

—

Required corpus

—

For SWR target

Weighted CAGR

—

Portfolio longevity

—

FIRE probability—

Run analysis to see FIRE readiness.

Asset allocation

Risk diagnostics

Sequence risk

—

Crash exposure

Journey stability

—

Equity exposure

—

Debt + gold buffer

—

Corpus growth projection

Base corpus Step-up corpus Real value Goal deduction

Tax drag analysis

Pre-tax corpus

—

Total tax liability

—

Post-tax corpus

—

Tax drag

—

% corpus lost to tax

Equity LTCG tax (12.5%)

—

Gains above ₹1L exempt

Debt fund tax (30% slab)

—

On debt gains

Run analysis to see tax breakdown.

Retirement drawdown simulation

Starting corpus

—

Initial monthly withdrawal

—

Inflation-stepped annually

Corpus lasts until

—

Years in retirement

—

Post-tax corpus Base corpus

Run analysis to see drawdown simulation.

Monte Carlo stress test — 3,000 simulations · historical data 1990–2025

P90 optimistic

—

P50 median

—

P10 stress

—

Survival rate

—

Sims ≥ target corpus

P90 P50 median P25–P75 band P10

Run analysis to see stress test.

Break-even SIP finder

Find the exact monthly SIP needed to reach any target corpus.

Target corpus (₹)

SIP mode

SIP Allocation Optimizer — FIRE, Step-up SIP, Tax Drag, Drawdown, Monte Carlo, Break-even

SIP allocation optimizer