How long will ₹2.5 crore last with ₹1,40,000 a month SWP?
₹2.5 crore paying ₹1,40,000 a month, rising 6% a year with inflation, lasts 19 yrs 10 mo at a 9% return. Started at 60, that is until about age 79.
- Your money lasts
- 19 yrs 10 mo (caution)
- Runs short in year 20
- First-year withdrawal rate
- 6.7%
- ₹16,80,000 a year
- Corpus vs yearly spending
- 14.9×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹6.12 Cr
- 245% of the corpus
- Safe for 30 years
- ₹1,05,150 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 | ₹2.5 Cr | ₹2.5 Cr |
| 1 | ₹2.55 Cr | ₹2.4 Cr |
| 2 | ₹2.59 Cr | ₹2.31 Cr |
| 3 | ₹2.63 Cr | ₹2.21 Cr |
| 4 | ₹2.65 Cr | ₹2.1 Cr |
| 5 | ₹2.67 Cr | ₹2 Cr |
| 6 | ₹2.68 Cr | ₹1.89 Cr |
| 7 | ₹2.67 Cr | ₹1.77 Cr |
| 8 | ₹2.64 Cr | ₹1.66 Cr |
| 9 | ₹2.6 Cr | ₹1.54 Cr |
| 10 | ₹2.53 Cr | ₹1.42 Cr |
| 11 | ₹2.45 Cr | ₹1.29 Cr |
| 12 | ₹2.33 Cr | ₹1.16 Cr |
| 13 | ₹2.19 Cr | ₹1.03 Cr |
| 14 | ₹2.01 Cr | ₹88.93 L |
| 15 | ₹1.79 Cr | ₹74.83 L |
| 16 | ₹1.53 Cr | ₹60.34 L |
| 17 | ₹1.22 Cr | ₹45.43 L |
| 18 | ₹85.94 L | ₹30.11 L |
| 19 | ₹43.41 L | ₹14.35 L |
| 20 | ₹0 | ₹0 |
| 21 | ₹0 | ₹0 |
| 22 | ₹0 | ₹0 |
| 23 | ₹0 | ₹0 |
| 24 | ₹0 | ₹0 |
| 25 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹6.12 Cr · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹6.12 Cr | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 25 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 25 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹1,18,721 | ₹1,40,000 | — |
| Monthly withdrawal in year 25 | ₹4,80,693 | ₹5,66,851 | — |
Year by year: ₹2.5 crore with ₹1,40,000 a month
The highlighted row is year 20, 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹1,40,000 | ₹16,80,000 | ₹21,69,178 | ₹2,54,89,178 | ₹2,40,46,394 |
| 2 | ₹1,48,400 | ₹17,80,800 | ₹22,08,355 | ₹2,59,16,733 | ₹2,30,65,800 |
| 3 | ₹1,57,304 | ₹18,87,648 | ₹22,41,695 | ₹2,62,70,780 | ₹2,20,57,453 |
| 4 | ₹1,66,742 | ₹20,00,907 | ₹22,68,110 | ₹2,65,37,983 | ₹2,10,20,568 |
| 5 | ₹1,76,747 | ₹21,20,961 | ₹22,86,383 | ₹2,67,03,404 | ₹1,99,54,337 |
| 7 | ₹1,98,593 | ₹23,83,112 | ₹22,92,883 | ₹2,66,60,104 | ₹1,77,30,492 |
| 10 | ₹2,36,527 | ₹28,38,325 | ₹22,01,876 | ₹2,53,46,028 | ₹1,41,53,090 |
| 12 | ₹2,65,762 | ₹31,89,142 | ₹20,49,219 | ₹2,33,33,884 | ₹1,15,96,225 |
| 15 | ₹3,16,527 | ₹37,98,319 | ₹16,26,745 | ₹1,79,33,706 | ₹74,83,109 |
| 18 | ₹3,76,988 | ₹45,23,858 | ₹8,83,445 | ₹85,93,813 | ₹30,10,789 |
| 20 | ₹4,23,584 | ₹44,92,915 | ₹1,51,642 | ₹0 | ₹0 |
If the assumptions change: ₹2.5 crore at ₹1,40,000 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) | ₹1,40,000 | 19 yrs 10 mo |
| Return 8% instead of 9% | ₹1,40,000 | 17 yrs 11 mo |
| Return 10% instead of 9% | ₹1,40,000 | 22 yrs 5 mo |
| Inflation 4% | ₹1,40,000 | 26 yrs 4 mo |
| Inflation 8% | ₹1,40,000 | 16 yrs 7 mo |
| Withdrawal never rises | ₹1,40,000 | Beyond 60 yrs |
| Start 10% lower at ₹1,26,000 | ₹1,26,000 | 22 yrs 11 mo |
Questions about this scenario
How long will ₹2.5 crore last if I withdraw ₹1,40,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹2.5 crore lasts 19 yrs 10 mo. You withdraw about ₹6.12 Cr in total, and the last full withdrawal is ₹4,23,584 a month. Real markets move up and down, so treat this as an estimate.
What monthly SWP can ₹2.5 crore support for 30 years?
About ₹1,05,150 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 ₹5,69,743 a month in year 30. Withdrawing ₹1,40,000 instead is ₹34,850 more than that, so the money runs out earlier.
Does a lower return change how long ₹2.5 crore lasts at ₹1,40,000 a month?
Yes. At 8% the money lasts 17 yrs 11 mo, at 9% 19 yrs 10 mo, and at 10% 22 yrs 5 mo. One percentage point of return moves the answer by 2 yrs 3 mo on average, so the return you assume matters as much as the amount.
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What the numbers say about ₹2.5 crore and ₹1,40,000 a month
You are drawing ₹16,80,000 in the first year, which is 6.7% of the ₹2.5 crore corpus, a middling rate. Put differently, the corpus is 14.9 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹1,40,000 a month would need ₹4.8 Cr, so this corpus covers 52% of that benchmark.
Growth covers the withdrawals for the first 6 years. In year 7 you take out ₹23.83 L while the corpus earns ₹22.93 L, and from then on the balance shrinks. It peaks at ₹2.68 Cr at the end of year 6, 7% above where you began.
Across the 19 yrs 10 mo you would withdraw ₹6.12 Cr in total, 245% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹1,40,000 of today becomes ₹4,23,584 a month by year 20, and the balance falls to ₹43.41 L at the end of year 19.
For the money to last 30 years instead, the first withdrawal would have to be ₹1,05,150 a month, which is ₹34,850 (25%) less than ₹1,40,000. 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 17 yrs 11 mo; at 10% it lasts 22 yrs 5 mo. A withdrawal that never rises would last beyond 60 yrs, but it would buy about 33% 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.