Most Indian retirement calculators assume 6% inflation and 12% returns forever. Why ?

I kept running my numbers through the usual online calculators and every one told me I was "on track" — flat 6% inflation, a constant 12% return, straight line to retirement.

But real markets don't move in straight lines. If the market drops 30% in your first two years of retirement, your corpus can run out a decade earlier than planned even when the 30-year average looks fine (Sequence of Returns Risk). None of the mainstream tools seem to model this.

That frustration is why I've been building GuideFin — an ad-free planning app that runs Monte Carlo simulations and stress-tests a plan against real historical crises instead of straight-line math. We're launching here on July 15.

Genuinely curious from this community:

- Do you trust the "you're on track" verdict from standard calculators?

- What's the one assumption you wish these tools let you change?