How long will ₹1 crore last with ₹1,00,000 a month SWP?
₹1 crore paying ₹1,00,000 a month, rising 6% a year with inflation, lasts 9 yrs 9 mo at a 9% return. Started at 60, that is until about age 69.
- Your money lasts
- 9 yrs 9 mo (cost)
- Runs short in year 10
- First-year withdrawal rate
- 12%
- ₹12,00,000 a year
- Corpus vs yearly spending
- 8.3×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹1.53 Cr
- 153% of the corpus
- Safe for 30 years
- ₹42,060 a month (caution)
- Starting amount, rising with inflation
Open the SWP Calculator with these numbers filled in
The numbers in charts
Balance year by year
- Balance
- Balance in today's money
Show the numbers
| Year | Balance | Balance in today's money |
|---|---|---|
| 0 | ₹1 Cr | ₹1 Cr |
| 1 | ₹96.42 L | ₹90.96 L |
| 2 | ₹91.77 L | ₹81.67 L |
| 3 | ₹85.9 L | ₹72.12 L |
| 4 | ₹78.65 L | ₹62.3 L |
| 5 | ₹69.85 L | ₹52.19 L |
| 6 | ₹59.3 L | ₹41.81 L |
| 7 | ₹46.8 L | ₹31.12 L |
| 8 | ₹32.1 L | ₹20.14 L |
| 9 | ₹14.94 L | ₹8.84 L |
| 10 | ₹0 | ₹0 |
| 11 | ₹0 | ₹0 |
| 12 | ₹0 | ₹0 |
| 13 | ₹0 | ₹0 |
| 14 | ₹0 | ₹0 |
| 15 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹1.53 Cr · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹1.53 Cr | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 15 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 15 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹69,733 | ₹1,00,000 | — |
| Monthly withdrawal in year 15 | ₹1,57,660 | ₹2,26,090 | — |
Year by year: ₹1 crore with ₹1,00,000 a month
The highlighted row is year 10, when the balance can no longer pay the full withdrawal.
| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |
|---|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹12,00,000 | ₹8,42,270 | ₹96,42,270 | ₹90,96,481 |
| 2 | ₹1,06,000 | ₹12,72,000 | ₹8,06,611 | ₹91,76,881 | ₹81,67,391 |
| 3 | ₹1,12,360 | ₹13,48,320 | ₹7,61,054 | ₹85,89,615 | ₹72,12,006 |
| 4 | ₹1,19,102 | ₹14,29,219 | ₹7,04,308 | ₹78,64,704 | ₹62,29,582 |
| 5 | ₹1,26,248 | ₹15,14,972 | ₹6,34,941 | ₹69,84,672 | ₹52,19,353 |
| 6 | ₹1,33,823 | ₹16,05,871 | ₹5,51,365 | ₹59,30,166 | ₹41,80,533 |
| 7 | ₹1,41,852 | ₹17,02,223 | ₹4,51,824 | ₹46,79,767 | ₹31,12,312 |
| 8 | ₹1,50,363 | ₹18,04,356 | ₹3,34,375 | ₹32,09,786 | ₹20,13,859 |
| 9 | ₹1,59,385 | ₹19,12,618 | ₹1,96,868 | ₹14,94,036 | ₹8,84,318 |
| 10 | ₹1,68,948 | ₹15,37,928 | ₹43,892 | ₹0 | ₹0 |
If the assumptions change: ₹1 crore at ₹1,00,000 a month
One change at a time: lower returns and higher inflation shorten the plan, a smaller start lengthens it.
| What changes | First monthly withdrawal | Money lasts |
|---|---|---|
| As on this page (9% return, 6% inflation) | ₹1,00,000 | 9 yrs 9 mo |
| Return 8% instead of 9% | ₹1,00,000 | 9 yrs 3 mo |
| Return 10% instead of 9% | ₹1,00,000 | 10 yrs 3 mo |
| Inflation 4% | ₹1,00,000 | 10 yrs 9 mo |
| Inflation 8% | ₹1,00,000 | 8 yrs 11 mo |
| Withdrawal never rises | ₹1,00,000 | 14 yrs 7 mo |
| Start 10% lower at ₹90,000 | ₹90,000 | 11 yrs |
Questions about this scenario
How long will ₹1 crore last if I withdraw ₹1,00,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹1 crore lasts 9 yrs 9 mo. You withdraw about ₹1.53 Cr in total, and the last full withdrawal is ₹1,68,948 a month. Real markets move up and down, so treat this as an estimate.
What monthly SWP can ₹1 crore support for 30 years?
About ₹42,060 a month in the first year, rising 6% every year, at a 9% return. That is 5% of the corpus in year one, and because the withdrawal rises with inflation the same plan pays about ₹2,27,897 a month in year 30. Withdrawing ₹1,00,000 instead is ₹57,940 more than that, so the money runs out earlier.
Does a lower return change how long ₹1 crore lasts at ₹1,00,000 a month?
Yes. At 8% the money lasts 9 yrs 3 mo, at 9% 9 yrs 9 mo, and at 10% 10 yrs 3 mo. One percentage point of return moves the answer by 6 mo on average, so the return you assume matters as much as the amount.
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What the numbers say about ₹1 crore and ₹1,00,000 a month
You are drawing ₹12,00,000 in the first year, which is 12% of the ₹1 crore corpus, a heavy rate. Put differently, the corpus is 8.3 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹1,00,000 a month would need ₹3.43 Cr, so this corpus covers 29% of that benchmark.
Withdrawals are larger than growth from the very first year: you take out ₹12 L and the corpus earns ₹8.42 L. The balance therefore never rises above ₹1 crore and drops below half of it during year 7.
Across the 9 yrs 9 mo you would withdraw ₹1.53 Cr in total, 153% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹1,00,000 of today becomes ₹1,68,948 a month by year 10, and the balance falls to ₹14.94 L at the end of year 9.
For the money to last 30 years instead, the first withdrawal would have to be ₹42,060 a month, which is ₹57,940 (58%) less than ₹1,00,000. Anything above that amount trades years of income for a higher monthly cheque.
This uses one steady 9% return. If markets deliver 8% the money lasts 9 yrs 3 mo; at 10% it lasts 10 yrs 3 mo. A withdrawal that never rises would last 14 yrs 7 mo, but it would buy about 59% as much at the end. A bad first few years hurts more than these averages show, so keep two or three years of withdrawals in debt funds or deposits.