How long can your money support you?

Withdrawing ₹30,000/month from your ₹50,00,000 corpus at 9% returns leaves ₹98,58,877 remaining after 20 years, having paid out ₹72,00,000 in total.

Your plan implies an initial withdrawal rate of 7.2% of your starting corpus, for reference, the commonly-cited "4% rule" is a rough guideline for a multi-decade withdrawal plan, not a guarantee; your real sustainability answer comes from the full year-by-year simulation above.

Withdrawing 10% less, ₹27,000/month instead of ₹30,000, changes your remaining corpus at the end of the period to ₹1,18,77,565, and stays sustainable throughout.

This plan assumes a constant 9% annual return, real markets and expenses vary year to year. Treat this as a planning estimate, not a guarantee, and revisit it periodically.