Finance
Worst-Case Scenario Calculator
Plans break when reality is worse than your spreadsheet. Set your expected return and inflation, then watch the best/expected/worst envelope unfold — adjusted to today's rupees so you can see what your money actually buys, not just the headline number.
How far the worst-case shifts return ↓ and inflation ↑
Real value at year 20
Worst
₹29,01,309
Expected
₹77,34,661
Best
₹2,13,17,828
Total invested
₹53,00,000
Worst-case shortfall
62.5%
below expected (real)
Nominal range
₹1,62,60,126 → ₹3,85,02,368
Numbers are inflation-adjusted to today's rupees — what your money will actually buy. The "expected" value is rarely what you get; planning for the worst case is what makes a plan robust.
Peak: ₹2,13,17,828
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Frequently asked
- Why is 'real' value much smaller than 'nominal'?
- Inflation. ₹1Cr in 30 years buys far less than ₹1Cr today. Real value strips this out so you can plan around what your money actually purchases.
- Is a 3% buffer realistic?
- It's the historical 1-sigma band for both return and inflation. For deeper stress tests, push the buffer to 5–6% — that's a 2-sigma scenario.
Try Monte Carlo next →
Monte Carlo