Dashboard

Enter cash you actually receive. In retirement, only Rental & Pension offset your withdrawals — Interest/Dividend from bonds, FDs and funds you hold is already captured by the corpus return, so it is not double-counted.

EMI (Debt) counts against today's cash flow but is excluded from the retirement need after the age you set it ends. Investments are savings, not spending, so they don't reduce your savings rate.

Liabilities subtract from your assets to give true Net Worth, and feed the Debt-to-Income and Wealth Health metrics.

Current corpus from your holdings: . Net draw = expense − ongoing income, both rising with inflation. Post-retirement growth = your bucket blended.

Accumulation uses your pre-retirement growth (Assumptions) with start-of-month SIPs; the step-up SIP rises each year. Drawdown uses the post-retirement return with inflation-indexed withdrawals. Starting corpus defaults to your investable corpus. If you keep a SIP after retirement, it is added to the corpus each year in the drawdown & Monte Carlo.

Actual is pulled from Current Assets for the client's current age; each year-end, update the age and re-import to log that year's actual against the plan. Planned (3-Bucket) grows the corpus at the fixed 15/30/55 target blend; Your mix (actual) grows it at your actual Planned Baseline bucket allocation — compare the two to see the effect of not following the strategy.

Each run applies a random annual return (normal distribution around your blended 15/30/55 return, with the volatility above) plus inflation-grown withdrawals, from your current age to plan-till age. Success = the corpus never hits zero. Flexible spending = in any year the market falls, you skip that year’s inflation raise on withdrawals (a mild, realistic guardrail). The two success figures show how much that discipline lifts survival. Captures sequence-of-returns risk a straight-line projection cannot. Educational simulation, not a guarantee.

Import a file or type in Folio, Scheme, Invested (₹), Avg NAV and Current NAV. Category and Bucket are detected automatically from the scheme name (editable). Units, Market Value, Returns, Growth % and Allocation compute live. Folio blocks duplicates.

Bar = your weight now (by market value) · gold marker = 15 / 30 / 55 target.

Corpus = current market value from Current Assets:

Edit each bucket's target growth. Withdrawals are assumed to rise with inflation every year.

Baseline = your original plan; Strategy = 15 / 30 / 55; Current = live portfolio. The realign move brings Current onto the strategy within today's corpus.

Alignment is judged by bucket %, not by fund name. You may hold different funds from the suggested list — what matters is that each bucket hits its target weight (15 / 30 / 55) and each fund keeps its bucket's character: Bucket 1 = capital-safety (liquid / short debt / arbitrage), Bucket 2 = moderate (hybrid / balanced advantage), Bucket 3 = growth (equity). Match the % and the risk profile, and you are on strategy.

Moves net to zero — self-financing within your corpus. Time switches to use the ₹1.25 L annual LTCG exemption.

The funds you already hold, grouped by bucket, with the same live returns. This is a comparison shelf only — nothing here changes the target sleeves or your allocation. Use the Fetch live returns button above to fill 1 / 3 / 5-yr.

Idea: after comparing returns, you can decide to replace a suggested sleeve fund with one of your own in the same bucket. Tell me which swaps you want and I'll wire a one-click replace.

The original portfolio you planned — the fixed baseline the plan is measured against. Import or add holdings once; its total becomes the plan's starting corpus. (The Current Assets tab holds the client's actual, changing portfolio.)