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37M, wife 33F, two kids (4 and 1). Lived in the US for 15 years. Have $1.3M (~₹11 crore) in US index funds and 401k. Own a home in Hyderabad, fully paid off. Parents in India, mid 60s.

Want to move back and retire. No plans to work again unless I want to.

How much can I safely withdraw monthly so the corpus never runs out — and what kind of lifestyle does that buy in Hyderabad for a family of 4 with no rent?

For context, I'm looking for good school for the kids, a maid, one EV, 4 holidays a year, and dining out once a week. My rough math puts this at ₹2.5L/month. Is that realistic and is ₹11 crore enough to sustain it?

Would love to hear from people actually living in Hyderabad or who've retired early in India.

This is what claude gave me

Category ₹/month School — 2 kids (fees + sibling discount) - ₹57,000

School transport (carpool) - ₹3,000

Books, uniforms, school events -₹5,000

Premium groceries - ₹22,000

Dining out 1x/week - ₹13,000

Maid - ₹15,000

Gated community maintenance - ₹10,000

AC servicing, house repairs etc - ₹2,500

Electricity - ₹5,000

Internet - ₹1,500

Mobile — 2 adults - ₹900

Water + LPG - ₹1,500

Health insurance (family floater + OPD) - ₹5,500

Dental OOP - ₹1,500

Term life insurance — 2 adults - ₹2,500

EV charging - ₹2,000

Car maintenance + insurance - ₹3,500

Gym — 2 adults - ₹4,500

Kids extracurriculars — 2 kids - ₹12,000

Streaming subscriptions - ₹1,500

India vacations 2x/year (amortized) - ₹6,500

Asia vacations 2x/year (amortized) - ₹24,000

Clothing — kids + adults - ₹10,000

Salon, grooming - ₹5,000

Misc household + gifts - ₹5,000

Festive gifting + Diwali - ₹5,000

Kids' birthday parties - ₹3,000

CA / tax filing - ₹500

Contingency buffer - ₹20,000

Total - ₹2,48,400