corpus required vs corpus you'll have — with life-span drawdown simulation
you
savings
raise SIP by X% each year
expenses & returns
usually lower — shift to debt
4% rule for 30-year retirement
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metrics
wealth trajectory · accumulation then drawdown
accumulation (sip-driven)drawdown (expenses)required corpus (at retirement)
the 4% rule (safe withdrawal rate) comes from the Trinity study — a corpus earning ~8% post-retirement and withdrawing 4%/year (inflation-adjusted) lasts 30+ years historically. adjust SWR down if retiring earlier than 60. inflation compounds hard in india — a ₹50K/mo lifestyle at 30 becomes ₹2.87L/mo at 60 (6%). ignores taxes, one-offs (health events), and windfalls.