Generational Roadmap
One SIP. Three generations.
Start with what a goal will cost, work back to the monthly investment that funds it, then follow the same corpus through decumulation and on to the two generations that come after.
LIFESTYLE TO LEGACY
Your lifestyle, already paying for your legacy
Spend as you do today. We aim to recover up to 12% of it through the right cards, and invest what comes back for three generations.
1
Your recovered SIP
What you recover from your spending becomes a fresh monthly SIP
The SIPs run until retirement. These are the same ages as card R below.
Spending, and so the recovery, rises with prices: the India CPI hint is 5%.
From your savings, on top of the recovered SIP.
Savings depend on your spending mix, card eligibility and each issuer’s reward rules, which issuers can change; 12% is an aim, not a promise. The pool is shown at one assumed rate for simplicity; how it is split across equity, the strategic reserve and farmland & homestay is decided in your plan. Farmland and homestay are bought in your own name; Black Numbers Law does not pool or hold client money.
1
Fund the goal
What monthly SIP reaches your number
Bring this straight across from the Inflation Estimator - it is the inflated cost, not today's cost.
A + B = your goal
Monthly SIP (A)
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Lump sum today (B)
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The corpus arrives
R
Your retirement income
Today's monthly need, carried to your retirement date. This sets the SWP corpus.
The monthly figure from the BNL Retirement Calculator, in today's money.
BNL rate-card CPI for India; edit if yours differs.
Monthly income at retirement
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Corpus for the SWP
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Remaining for other goals
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Enter today's monthly income to size the SWP. The corpus is the income at retirement ÷ 0.0065 (the BNL SWP rule, about 0.65% a month), and it becomes the corpus at start below.
The rest goes to your goals
G
Inflation-adjusted goal planner
Share what is left after the SWP across your other goals
Starts from the goal amount in Stage 1 and follows it until you type, slide or pick a different figure.
Type a goal’s cost today and its share of the corpus follows, or type the share and the cost today follows. Future costs use each goal’s own inflation rate and years.
Becomes the SWP corpus
2
Decumulate - the SWP
Draw a monthly income while the corpus works underneath
Final portfolio balance
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Total invested (corpus)
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Total withdrawn
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Portfolio balance, end of each year
Locked to goal
₹
While locked, this always matches Stage 1's goal amount. Unlock it to sketch a different corpus here, without changing Stage 1.
₹
%
yrs
yrs
Zero for a matured SIP that can draw at once - or set a wait for a late lumpsum that needs time to build first.
%
Stop the yearly increase after a while
%
This follows the standard SWP method used by most online calculators: each month the withdrawal is taken first, then the remaining balance earns that month's share of the return. The figures line up with what clients see elsewhere. But this assumes returns arrive smoothly every single month - real market yields arrive in lumps, around earnings and payout seasons, not evenly. To stay realistic, it is wiser to enter an expected return about 1% below what you actually anticipate; the smooth-return maths flatters the outcome.
₹
The rising paycheck
How your monthly draw climbs, using the escalation set above
Starts synced to the monthly draw and escalation rate from your withdrawal plan above - edit any field below to explore a different figure.
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G
Gold, the BNL way
An optional second pot, built from your withdrawals
3
The next generation
What Generation 2 inherits when Generation 1 has finished drawing
A lumpsum, so this uses the full CAGR - there are no staggered instalments to drag it down. On year 21 the same 10 : 10 : 10 withdrawal begins.
A large future number is not the same as future wealth. Enter what the next generation receives, the inflation they'll live with, and how far away it is - and see what it is worth in today's money.
ADVISOR · CLIENTS FROM THE CALCULATOR
Start a client from their Retirement or Legacy corpus, or reopen their saved roadmap. Every change is saved automatically.