Retirement

C15-2026-10-09: annual effective inflation and returns are converted to monthly effective rates. Existing corpus and each separately named ongoing investment accumulate monthly; contributions arrive at the start of their scheduled months. Retirement expenses are withdrawn one month after retirement and each later month, inflated from today's spending and discounted to retirement at the assumed post-retirement return. New fixed and annually stepped SIPs are alternative month-start paths to the shortfall; a new lump sum is another alternative. Returns, inflation and lifespan are assumptions, not guarantees. Tax, fees and market variation are excluded. Investment returns are effective annual returns; monthly growth uses (1 + annual return)^(1/12) − 1.