Will your money last through retirement?

To retire at 60 and sustain your lifestyle to age 85, you need a corpus of ₹7,29,26,275 — reachable by investing ₹20,660/month for the next 30 years, on top of your existing ₹0.

Your current ₹50,000/month of expenses will cost ₹2,87,175/month by the time you retire at 6% inflation — the required corpus above is sized to that inflated figure, not today's.

Retiring a year earlier would raise your required monthly investment to ₹22,798 — one more working year, on the other hand, lowers it to ₹18,699. Your retirement age is one of the biggest levers you control.

At these assumptions, your corpus lasts through age 85 as planned — the full drawdown simulation never runs the corpus to zero before then.

Your plan implies a first-year withdrawal rate of 4.7% of your retirement corpus — for reference, the commonly-cited "4% rule" is a rough guideline for a multi-decade retirement, not a guarantee; your real sustainability answer comes from the full year-by-year simulation above.

This plan assumes constant 12%/7% pre/post-retirement returns and 6% inflation — real markets and expenses vary year to year. Treat this as a planning estimate, not a guarantee, and revisit it periodically.