Will Your Money Outlive You?
90% of Indian retirees realize their corpus is insufficient only after it's too late. Use our high-fidelity simulator to see if your future self is safe.
The Inflation Trap
At 7% inflation, ₹1 Lakh today will feel like ₹25,000 in 20 years. Does your plan account for this massive loss in purchasing power?
Longevity Risk
Modern medicine is extending life expectancy. If you live until 95, will your corpus still be there, or will you be dependent on others?
The 3 Cr. Myth in India
Many advisors suggest a flat ₹3 Crore or ₹5 Crore corpus for retirement. However, for a 35-year-old today with a current monthly expense of ₹1 Lakh, a ₹5 Crore corpus will likely run out in just 12 years of retirement due to high education and medical inflation.
A true Retirement Survival Simulator must be dynamic. It must account for your specific investment step-ups, your changing lifestyle goals, and the "Sequence of Returns" risk.
How we calculate your Survival Score
Our engine runs 480 monthly simulations of your life. It looks for the "Breaking Point"—the exact month your corpus could potentially hit zero. If your corpus outlasts your planning horizon by 20% or more, you get a "Perfect Survival Score."
Frequently asked questions
Will my retirement corpus outlast me?⌄
It depends on three things: the size of your corpus at retirement, your monthly expenses (and how they inflate), and your post-retirement portfolio return. The Cockroach Money survival simulator runs a month-by-month projection from your retirement age through age 90+ and flags the exact year (if any) at which the corpus hits zero.
How much corpus is "enough" for a 35-year-old retiring at 60 in India?⌄
For ₹1 lakh/month current expenses, inflated at 6% over 25 years, you would need roughly ₹4–6 crore at retirement to sustain a 30-year retirement. The exact number depends on your post-retirement equity allocation, return assumption, and any milestone outflows. Run it precisely at https://cockroachmoney.in/calculators/retirement-corpus.
What is "sequence of returns risk" and why does it matter?⌄
It is the risk that a market crash in the early years of your retirement permanently damages your corpus, because withdrawals during a downturn lock in losses. Two retirees with identical average returns can have wildly different outcomes if one experienced a crash in year 1 vs year 20. The survival simulator stress-tests this by letting you model lower early-years returns.
How does the simulator handle longevity risk?⌄
You set a planning end-age (typically 90, often 95 for women and non-smokers). The simulator tells you whether your corpus survives to that age. If you want to be conservative, set the end-age to 100 — better to over-plan than run out at 85.