Generational Roadmap

One SIP. Three generations.

Start with what a goal will cost, work back to the monthly investment that funds it, then follow the same corpus through decumulation and on to the two generations that come after.

Fund the goal

What monthly SIP reaches your number

Goal amount needed, in future rupees (₹)

Bring this straight across from the Inflation Estimator - it is the inflated cost, not today's cost.

Years to the goal

Annual SIP step-up (%)

Assumed CAGR (%)

The corpus arrives

Decumulate - the SWP

Draw a monthly income while the corpus works underneath

Final portfolio balance

Total invested (corpus)

Total withdrawn

Portfolio balance, end of each year

Corpus at start Locked to goal

₹

While locked, this always matches Stage 1's goal amount. Unlock it to sketch a different corpus here, without changing Stage 1.

Withdrawal

₹

Expected return

How long you withdraw

yrs

Waiting period before withdrawal

yrs

Zero for a matured SIP that can draw at once - or set a wait for a late lumpsum that needs time to build first.

Withdrawal increase rate

Stop the yearly increase after a while

Inflation rate for “worth today” figures below

This follows the standard SWP method used by most online calculators: each month the withdrawal is taken first, then the remaining balance earns that month's share of the return. The figures line up with what clients see elsewhere. But this assumes returns arrive smoothly every single month - real market yields arrive in lumps, around earnings and payout seasons, not evenly. To stay realistic, it is wiser to enter an expected return about 1% below what you actually anticipate; the smooth-return maths flatters the outcome.

₹

The rising paycheck

How your monthly draw climbs, using the escalation set above

Starts synced to the monthly draw and escalation rate from your withdrawal plan above - edit any field below to explore a different figure.

Income at retirement (₹/mo)

Year-on-year inflation %

Years to project

Gold, the BNL way

An optional second pot, built from your withdrawals

The BNL 10:10:10 habit Add a gold leg Route a slice of every withdrawal into gold - a second pot growing quietly beside your income.

Turn the gold leg on

The next two generations

A share is set aside and left untouched to grow for the next generation

Share of inheritance invested (%)

Held untouched for (years)

Growth rate while held (%)

A lumpsum, so this uses the full CAGR - there are no staggered instalments to drag it down. On year 21 the same 10 : 10 : 10 withdrawal begins.

Build this plan with BNL →

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