Magnus — Quick Start Guide

What Magnus does

Magnus shows you how long your retirement savings will last, based on your corpus, monthly expenses, expected returns, and inflation. Enter your numbers, click Calculate, and get a clear projection of whether your plan is on track — year by year.

Step 1 — Sign in

Use the email and password provided to you by the administrator. If you have forgotten your password, click Forgot password? on the login screen.

Step 2 — Choose your entry mode

At the top of the planner, select which situation applies to you:

Planning for retirement — you are still building your corpus. Use this to project your savings growth and transfer the result to the retirement planner.
Already retired — you are drawing from your savings now. Go directly to entering your portfolio and retirement details.

Step 3A — If you are planning for retirement

The Pre-Retirement Planning section will be visible. Fill it in as follows:

Enter your Present Age and Retirement Age.
Enter your Current Retirement Corpus — the total amount you have saved towards retirement today.
Enter your Monthly Contribution and Annual Step-up % (how much your contribution increases each year).
Choose your Return Assumption — either enter a single average return, or use the allocation selector to estimate the return from your fund mix.
The projected corpus at retirement will appear automatically as you fill in the fields.
If you expect a lump sum to be added during accumulation — such as a PPF maturity, gratuity, or bonus — you can enter up to two Lump-Sum Additions, each with an age and an amount. These are optional.
Click Apply to Retirement Planner — the projected corpus transfers and becomes your starting portfolio in the section below, distributed according to your selected allocation.

Then continue to Step 4 to complete your post-retirement details.

Step 3B — If you are already retired

The Pre-Retirement Planning section is hidden. Choose how you want to enter your portfolio:

Option A — Use preset allocation

Enter your Current Retirement Corpus — the total value of all your investments today.
Review the allocation shown (default is Conservative). Adjust the preset if needed.
Click Distribute to Portfolio — Magnus splits your corpus across fund rows according to the selected allocation.
You can edit individual fund amounts and return rates after distribution.

Option B — Enter funds manually

Enter each investment separately in the fund rows — amount, return rate, and asset class.
The Total Portfolio Value field updates automatically as you type.

Step 4 — Complete Post-Retirement Details

Withdrawal Start Age — The age at which withdrawals from your corpus begin. In planning mode this is set automatically from your Retirement Age; in retired mode, enter it directly here.
Monthly Living Expense (₹) — your total monthly spending in today's money. Magnus automatically converts this to retirement-year values using your inflation setting.
Other Monthly Income (₹) — pension, rent, annuity, or any regular income at retirement start that reduces your draw from the corpus. Leave at zero if none. The helper line below this field shows your estimated net portfolio draw in Year 1 of retirement.
Target Survival Age — how long you want your money to last (up to age 100).
Inflation — set a rate for each 5-year period. A starting rate of 5–6% is reasonable for India.

Optional — Future Lump-Sum Additions to Portfolio

If you expect to add a lump sum to your retirement portfolio at a future age — for example, a PPF maturity, FD proceeds, or inheritance — you can enter up to two such additions, each with an amount and the age at which you will receive it. These are added to your portfolio in the year they occur and are fully reflected in all projections.

Optional — Time-Bounded Income Streams

If you will have a regular monthly income for a fixed period — such as SCSS interest, part-time consulting income, or rental income that ends at a known age — you can model up to two such streams. Each stream needs a monthly amount, a start age, an end age, and an optional annual growth rate. The stream reduces your portfolio draw only during its active years.

Step 5 — Calculate

Click ▶ Calculate Projection.

Results appear on the right. You will see:

Executive Summary — a plain-language verdict and suggested actions
Health Indicator — colour-coded signal (Strong / Moderate / Vulnerable / High Risk)
Key numbers — corpus survival age, balance at target age, withdrawal rate
Stress tests — how your plan holds up under five adverse scenarios
Year-by-year table — detailed breakdown for every year of retirement

Step 6 — Adjust and recalculate

Change any input and click Calculate again. Magnus saves your inputs automatically — they will be there the next time you log in.

Advanced options

The Advanced Planning Mode panel at the bottom of the inputs sidebar offers:

Bucket Withdrawal — draws from safer assets first, letting equity grow longer
Annual Rebalancing — resets fund proportions each year
Monte Carlo Simulation — runs up to 2,000 simulations to give a probability of success across a range of possible futures

Use these only if you want deeper analysis. The standard calculation is sufficient for most planning purposes.

Printing / Saving a PDF

Click the Print / Save PDF button at the top of the results. When saving from Chrome, the file is automatically named with the date. On Safari, the print dialog may take a few moments to appear — this is normal.

A few things to know

Your data is private. All figures stay on your device only. Nothing is uploaded to any server.
Use the same browser and device to access your saved inputs each time. Clearing browser data will remove them.
This is a planning tool, not financial advice. Results are as accurate as your inputs. Consult a qualified financial advisor for decisions about your retirement.

Need help or access?

Magnus Retirement Planner — magnusplanner.com