1. Personal Details
Today's value — inflation-adjusted yearly
From sources OTHER than the deployable retirement corpus below — avoids double counting
Net Monthly Income Required (from corpus)₹0
2. Retirement Corpus
Enter each component of the lump-sum corpus received/expected at retirement. Total flows into the 3-bucket strategy below.
Total Retirement Corpus
₹0
Goals
Enter each goal in today's value — it is inflation-adjusted to the year it falls due.
Goal NameAmount (₹)Years From Now
Goals Total (inflation-adjusted): ₹0
Emergency fund
Liquid buffer sized on Net Monthly Income Required, in absolute terms. Recommended: Bank savings account or ultra short-duration Debt MF.
Months × Net Monthly Income
Leave 0 to use auto-calculated
Emergency Fund Total: ₹0
Instrument: Bank Savings / Ultra Short Debt MF (not included in projection — treated as buffer)
3. Core and Satellite portfolio
Deployable Corpus − Goals (inflation-adjusted) − Emergency Fund
Balance corpus after Bucket 1 + Bucket 2, split into a Core (fixed income) portfolio sized to generate your net income need, and a Satellite (growth) portfolio for the remainder.
Dynamically linked to inflation — not manually set
Core Portfolio Target = Net Annual Income (₹0) ÷ Yield (5%) = ₹0
Core Portfolio (Fixed Income) Auto-computed — SCSS first (up to ₹30L), balance in Debt MF, up to the target
Core Total: ₹0 (Target: ₹0)
Satellite Portfolio (Growth) Auto-computed — only from the surplus once Core is full: 10% Gold / 10% Intl Equity / 80% Equity MF
Satellite Total: ₹0 (Balance: ₹0)
This tool is provided by Ratni Distributors Pvt. Ltd. for indicative purposes only. For full disclaimer, visit www.ratnidistributors.com/disclaimer
Retirement Income Plan
+91 93 19 200 664 | admin@ratnidistributors.com
www.ratnidistributors.com
www.ratnidistributors.com
Investment Allocation — 3 Bucket Summary
| Bucket | Instrument | Amount (₹) | Return | Tax Treatment | Annual Income (₹) |
|---|
Verify your email below to unlock full-report downloads.
Year-wise Cashflow Projection
Unlock Your Full Report
Enter your email and mobile number to view the detailed year-wise breakdown and download your report.
Income Tax Breakdown (New Regime, FIFO Capital Gains)
Slabs: ₹0–4L=0% · ₹4–8L=5% · ₹8–12L=10% · ₹12–16L=15% · ₹16–20L=20% · ₹20–24L=25% · Above ₹24L=30% · 4% cess. Rebate u/s 87A: income ≤ ₹12L → Zero tax. Pension gets ₹75,000 standard deduction. Debt MF profit (any holding period) and Intl Equity/Gold STCG (≤12mo) join the slab pool. Equity MF STCG (≤12mo) = flat 20%. Equity MF LTCG pools with ₹1.25L exemption at 12.5%. Intl Equity/Gold LTCG (>12mo) = 12.5% flat, no exemption.
This retirement income plan is prepared by Ratni Distributors Pvt. Ltd. for indicative and informational purposes only and does not constitute investment advice or guarantee of returns. Projections are based on assumed rates of return and may vary. Please refer to full disclaimer at www.ratnidistributors.com/disclaimer. AMFI Registered Mutual Fund Distributor.
