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For personal financial planning and educational purposes only. Not financial advice.
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Quick Start
Pre-retiree: open Pre-Retirement, enter current corpus and future investments, choose return method, retirement age, then click Apply to Retirement Planner.
Retiree: skip Pre-Retirement and enter your funds directly in the planner.
Fill age, expenses, income, and return details.
Click Calculate Projection to see results.
Use advanced options only if you want deeper analysis.
🌱
Pre-Retirement: Build Your Corpus (optional)
Project growth from today to retirement • auto-fill retirement portfolio
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Enter your current age and savings to project your corpus at retirement.
The result feeds directly into the retirement planner below.
⬇ Enter Age at Retirement below to complete the pre-retirement projection.
Accumulation Summary
Years to Retirement
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Projected Corpus
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Total Invested Base
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Investment Growth
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→ Use this corpus for retirement planning
Allocation preset is selected in the Return Assumption selector above. Click Apply to transfer the projected corpus into the Retirement Portfolio panel using your chosen allocation.
After applying, fund values and asset classes are fully editable in the Investment Portfolio section below.
Total Corpus
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Avg. Return
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Start Age
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Personal Details
Extra Monthly Income grows with inflation
Used to show purchasing power in today's money and to convert today's expenses into retirement-year values in pre-retirement mode. Does not affect annual return assumptions.
Investment Portfolio
Withdrawal Inflation Plan
As age increases, lifestyle-related spending growth may reduce. Many users set a higher inflation in early retirement and lower inflation later — for example 5%, 4%, 3%, 2%.
Period
Annual Inflation %
⚡
Stress Test Settings (optional)
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These settings are used only by the stress test scenarios. Your base projection is not affected.
Medical Cost Stress
From this age onward, an extra expense equal to the above % of that year's withdrawal is added each year.
One-Time Expense Events
Large one-off expenses (e.g. property purchase, wedding, major medical). Applied in all scenarios.
Event 1
Event 2
⚙️
Advanced Planning Mode (optional)
Withdrawal strategy • Rebalancing • Reserve
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These settings change how withdrawals are drawn from your portfolio and how it is managed over time.
Leave defaults for a standard proportional plan.
Withdrawal Strategy
Portfolio Rebalancing
Emergency Reserve
Keeps this many years' worth of net annual expenses as a protected floor in your portfolio. In each year, withdrawals are capped so the balance never falls below this reserve unless no other option exists. Effect: slightly lower effective withdrawals in lean years, preserving a safety buffer. Set to 0 to disable. Maximum: 10 years.
Simulation Mode — V5
Monte Carlo Settings
Clears all inputs and results for a fresh calculation
🥚
Your projection will appear here
Fill in your details and click Calculate
Magnus Retirement Planner
Personalised Retirement Projection Report
Retirement Age
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Target Survival Age
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Monthly Expense (today)
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Other Monthly Income
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Total Portfolio Corpus
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Avg. Expected Return
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Inflation Assumption
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Simulation Mode
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Required Corpus
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Your Current Corpus
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Gap / Surplus
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Withdrawal Rate
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Estimated Safe Withdrawal (Stress-Based)
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MC Success Rate
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For personal financial planning and educational purposes only. Not financial advice. Projections are estimates based on user inputs and assumed rates — actual outcomes may vary. Consult a qualified financial advisor before making any financial decisions.
Assumes a single fixed market return path based on your expected returns and stress scenarios.
Target Survival Age
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Base Survival Det.
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Worst Stress Det.
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Corpus at Target Age
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Starting Corpus
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Avg. Blended Return
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weighted by fund allocation
Withdrawal Rate
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Sequence Risk
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Portfolio Risk Mix
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💰Estimated Safe Withdrawal (Stress-Based)
Net Portfolio Withdrawal
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per month
Estimated Safe Withdrawal
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per month (worst stress)
Suggested Reduction
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🎯 Required Retirement Corpus
Required (Deterministic)
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survives worst stress
Your Current Corpus
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at retirement start
Gap / Surplus
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Required (Monte Carlo 90% success)MC—
Running Monte Carlo simulation…
0 / 1,000
🎲 Monte Carlo Analysis
Simulates thousands of possible market paths using return volatility to estimate survival probability.
Monte Carlo Results
1,000 simulations
Monte Carlo simulates thousands of possible market paths using return volatility. The success rate shows the percentage of simulations where the portfolio survives until the target age.
⚠️ Monte Carlo results are probability-based estimates using assumed return and volatility ranges. They are not guarantees of future performance.
—%
Success Rate
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Probability your portfolio survives until your target age.
Confidence Gauge—
0%60%75%90%100%
Median Survival Age
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50th percentile
Worst 10% Survival Age
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10th percentile
Best 10% Survival Age
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90th percentile
Median Ending Corpus
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at end of projection
Corpus at Target Age (Best 10%)
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90th percentile
Worst Case Corpus
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10th percentile
📊 Longevity Stress — Survival to Age 100
—%
Probability of lasting to age 100.
Survival Age Distribution (1,000 paths)
Portfolio Balance Fan Chart — P10 / Median / P90 (400-path subsample)
⏳ Run Monte Carlo to view fan chart
💰 Monte Carlo Safe Withdrawal Estimate
Find the highest monthly withdrawal that achieves your target success probability, based on Monte Carlo simulation.
Target Success Probability90%
Current Net Portfolio Withdrawal—
Estimated Safe Monthly Withdrawal—
Suggested Change—
Monthly Income & Withdrawal
Est. Monthly Expense (today's money)—
Other Monthly Income—
Net Portfolio Withdrawal—
📋
Model Assumptions & How This Works
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Projection engine — Returns are applied once per year at each fund's individual rate. Investment returns are earned on the full opening balance for that year (end-of-year model).
Other Monthly Income — Other Monthly Income reduces the withdrawal required from your portfolio. By default it remains flat (non-inflation adjusted). If the indexed option is enabled, it increases with inflation.
Withdrawals — Monthly Living Expense increases annually based on the inflation rate set for each retirement period. The Net Portfolio Withdrawal = Living Expense − Other Income. Withdrawals are deducted proportionally across all funds, preserving relative allocation (unless Bucket mode is active).
Medical stress — Adds extra annual costs after the selected age, as a percentage of that year's withdrawal. Only active when a medical stress age is entered.
One-time events — Deducted in full in the year the specified age is reached.
Stress scenarios — Simulate adverse but plausible conditions: low returns, early market crash, faster expense growth, and medical cost spikes. The early crash scenario is also used to compute Sequence Risk.
Inflation assumption — Inflation is used to show purchasing power in today's money and to convert today's expenses into retirement-year values in pre-retirement mode. It does not affect annual return assumptions or withdrawal growth within the projection engine.
Withdrawal rate — Annual withdrawal ÷ total starting corpus. A rate below 4% is generally considered sustainable over long retirement periods.
Sequence risk — The gap in survival age between Base Case and Early Market Crash. A large gap means your plan is sensitive to poor returns in the first years of retirement.
Portfolio risk mix — Equity and Hybrid funds are grouped as Growth assets; Debt, FD, and Cash as Stability assets; Gold as a separate Diversifier. The profile label reflects the growth percentage of total corpus.
Safe withdrawal estimate — Uses a binary search (approx. 22 iterations) to find the highest monthly withdrawal that keeps the worst stress scenario alive until your target age. All calculations run locally in your browser.
Conservative bucket withdrawal — Withdrawals are taken from asset classes in order: Cash → FD → Debt → Hybrid → Gold → Equity. Within each class, proportional deduction across funds of that type. This preserves growth assets longer at the cost of sequence-risk sensitivity.
Annual rebalancing — After each year's returns and withdrawals, fund balances are restored to their original allocation percentages (by corpus weight at retirement start). Only active when explicitly enabled.
Emergency reserve — When a reserve (in years of net expenses) is set, withdrawals are capped so that the portfolio never drops below the reserve floor unless absolutely necessary. Set to 0 to disable.
Simulation mode — Deterministic mode uses fixed expected returns (identical to Versions 1–4). Monte Carlo mode simulates 500–2,000 randomised return paths using log-normal annual returns per asset class, yielding a probability of success and distribution of outcomes. FDs and Cash have zero volatility (stable returns). Equity volatility: ±18%; Hybrid: ±12%; Debt: ±4%; Gold: ±15%. The Safe Withdrawal Finder uses binary search over Monte Carlo to find the highest withdrawal achieving the target success probability. The fan chart uses a 400-path subsample; the P90 (best 10%) band is hidden when too few paths survive to give a statistically reliable estimate.
Privacy — All financial data stays on your device. Nothing is uploaded or stored on a server.