Advanced FIRE Planner — Taxes & Rebalancing

Includes LTCG/STCG defaults (India). Rebalance annually and compare withdrawal multiples side-by-side. (Defaults sourced from public tax summaries.)

Inputs

Present monthly expense (₹) Present age Retirement age Annual equity return mean (%) Equity volatility (%) (annual std dev) Debt return mean (%) Debt volatility (%) Equity allocation (%) SIP step-up annual (%) Inflation (%) (combined) Monte-Carlo sims Rebalance annually?

Tax settings (India defaults)

LTCG rate (%) LTCG exemption annual (₹) STCG rate (%) Apply tax at retirement only?

Defaults sourced from public summaries of recent Indian tax rules (LTCG ≈ 12.5% w/ ₹1.25L exemption; STCG ≈ 20% special rate). Change inputs to match your jurisdiction.

Results & Comparison

Target annual spending

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Required monthly SIP (deterministic)

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Median taxed corpus (retirement)

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Probability (multiple 20)

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Probability (multiple 25)

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Probability (multiple 30)

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Advanced FIRE Planner — Taxes & Rebalancing

Inputs

Tax settings (India defaults)

Results & Comparison

Projection (median & band)

Final corpus histogram (net of tax)

Detailed outputs