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.