Question 1

What is the Financial Scenario Simulator?

Accepted Answer

The Financial Scenario Simulator is an interactive what-if planning engine designed for Indian families. It allows you to test how unexpected life events—such as retiring earlier, salary changes, job losses, inflation surges, medical shocks, or higher spending—impact your monthly cash flow, emergency fund runway, and long-term retirement corpus before they happen.

Question 2

How is this different from standard investment calculators?

Accepted Answer

Standard investment calculators assume market returns and life conditions remain perfectly fixed for 20–30 years. The Financial Scenario Simulator stress-tests real-world life changes. It measures household financial resilience, cash runway, and purchasing power under stress rather than pitching financial products.

Question 3

What is the Financial Stability Index score?

Accepted Answer

The Financial Stability Index is a 0–100 rating that evaluates your family's financial resilience. It factors in your monthly cash surplus, emergency cash runway (months of living costs covered), medical shock buffer, and inflation protection.

Question 4

How does inflation impact my retirement plan in India?

Accepted Answer

In India, headline inflation averages 5.5%–6%, but specialized expenses like healthcare and higher education expand at 10%–14% annually. Testing higher inflation scenarios ensures your savings in sovereign schemes like EPF, PPF, SCSS, and Post Office FDs maintain real purchasing power.

Question 5

Which financial planner should I use after running my scenario?

Accepted Answer

Depending on your scenario outcome: if testing retirement timeline, use our Master Retirement Planner (/planners/retirement); if building fixed-income cash flows, use our FD & Sovereign Ladder Strategist (/planners/ladder-strategist); if testing cost inflation, use our Inflation Calculator (/inflation-calculator).

Financial Scenario Simulator for Indian Families