• Dense growth-path chart (more “Quantum States” = denser paths)
• Final probability distribution (retirement corpus likelihood across ₹ ranges)
• Percentile boxes (10th/25th/50th/75th/90th for planning)

1) Growth Paths Over Time (Quantile Trajectories)

The purple lines represent possible growth trajectories implied by the probability model. The dashed line is the expected path.

• Tight cluster = more predictable range
• Wide spread = higher volatility / uncertainty
• Median vs Expected: expected can be pulled by right-tail upside

2) Final Probability Distribution (|ψ|²) — Retirement Corpus Likelihood

This is the heart of a probability based retirement calculator. It shows how probability mass spreads across final retirement corpus values (₹). All bars together sum to ~100%.

3) Final Wavefunction Components: Re(ψ), Im(ψ) and |ψ|² (Finance Meaning)

Think of ψ (psi) as the calculator’s internal “uncertainty state” for your retirement corpus. It combines expected growth and market randomness into one model, so we can estimate a full range of possible final outcomes (not just one number).

In simple finance terms:

• Re(ψ) — Directional/Trend component (expected growth influence): This part loosely represents the “structured” side of markets — the long-term compounding push coming from your assumed return and time horizon. It helps position where the probability tends to concentrate.
• Im(ψ) — Risk/Shock component (uncertainty influence): This part loosely represents the “random” side of markets — volatility, surprises, and swings that widen outcomes. Higher volatility tends to make this influence stronger and spread the distribution more.
• |ψ|² — Likelihood of final corpus ranges (the one to use): This is the key output. It is computed as |ψ|² = Re(ψ)² + Im(ψ)². Practically, it tells you which final corpus ranges are more likely and which are less likely.

4) Percentile Boxes (10/25/50/75/90) — Planning Output

Percentiles help you plan based on “chance of success”, not only average return.

• 10th percentile: bad-but-possible outcome
• 25th percentile: safer planning anchor
• 50th percentile: median outcome
• 90th percentile: optimistic upside

Try a baseline and stress-test volatility:

• Current age: 30
• Retirement age: 60
• Starting portfolio: ₹1,00,000
• Monthly SIP: ₹10,000
• Expected return: 10–12%
• Volatility: 15–20%
• Quantum States: 100

What is a retirement calculator with volatility?

It’s a retirement calculator that includes volatility (uncertainty) to produce a range of outcomes, not a single number—using percentiles and a probability distribution.

Is this a probability based retirement calculator in India?

Yes. It models uncertainty and shows likelihood across corpus values in ₹, plus planning percentiles (10/25/50/75/90).

Is this a Monte Carlo retirement calculator?

Conceptually similar (it models uncertainty), but presented as a “wavefunction” probability distribution and percentile trajectories.

How do I choose expected return and volatility?

Choose realistic return based on your asset allocation. Use volatility to reflect uncertainty: lower for conservative, higher for equity-heavy. Then plan using the 25th–50th percentile.

Can this guarantee my retirement corpus?

No. It’s an educational planning tool. Real markets can deviate from any model—use it for scenario testing and probability-aware planning.