A connected retirement-planning engine to estimate retirement needs, identify funding gaps, test assumptions and structure a three-bucket withdrawal plan.
V15 • Illustrative planning toolLocation is captured for planning context. Regional costs should be benchmarked and then overridden by the planner/client where appropriate.
EPF/PPF/NPS treatment is captured as retirement resources. Regulatory withdrawal/annuity treatment should be maintained in Clarion's rules layer and confirmed for the client's circumstances before implementation.
Contingency/medical reserve is separate from Bucket 1. Debt continuing into retirement is treated as a retirement cash-flow requirement.
These are scenario assumptions, not forecasts. Change them to reflect the planner's documented assumptions.
Enter your contact details to unlock your personalised calculation results. Your details will be used by Clarion Financial Services to follow up on your planning request.
| Scenario | Accumulation return | Retirement return | Inflation | Projected corpus | Required corpus | Gap / surplus |
|---|
| Year | Opening corpus | Net withdrawal | Growth | Closing corpus |
|---|
Bucket 1 and Bucket 2 are based on year-by-year nominal net portfolio-funded withdrawals; the separate medical/contingency reserve is not included in either bucket. Bucket 3 represents nominal net portfolio-funded withdrawals from Year 11 onward and is an indicative planning target, not a product allocation. The engine uses annual deterministic projections for the public V15 build. Sequence-of-returns stress testing is represented through adverse return scenarios; stochastic/Monte Carlo analysis is intentionally not part of this first validated deployment.