How long will ₹25 lakh last with ₹10,000 a month SWP?
₹25 lakh paying ₹10,000 a month, rising 6% a year with inflation, lasts 32 yrs 5 mo at a 9% return. Started at 60, that is until about age 92.
- Your money lasts
- 32 yrs 5 mo (good)
- Runs short in year 33
- First-year withdrawal rate
- 4.8%
- ₹1,20,000 a year
- Corpus vs yearly spending
- 20.8×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹1.13 Cr
- 452% of the corpus
- Safe for 30 years
- ₹10,515 a month (good)
- 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 | ₹25 L | ₹25 L |
| 1 | ₹25.99 L | ₹24.52 L |
| 2 | ₹27 L | ₹24.03 L |
| 3 | ₹28.02 L | ₹23.52 L |
| 4 | ₹29.04 L | ₹23 L |
| 5 | ₹30.06 L | ₹22.47 L |
| 6 | ₹31.09 L | ₹21.91 L |
| 7 | ₹32.1 L | ₹21.35 L |
| 8 | ₹33.1 L | ₹20.77 L |
| 9 | ₹34.07 L | ₹20.17 L |
| 10 | ₹35.01 L | ₹19.55 L |
| 11 | ₹35.91 L | ₹18.92 L |
| 12 | ₹36.76 L | ₹18.27 L |
| 13 | ₹37.53 L | ₹17.6 L |
| 14 | ₹38.23 L | ₹16.91 L |
| 15 | ₹38.83 L | ₹16.2 L |
| 16 | ₹39.31 L | ₹15.47 L |
| 17 | ₹39.65 L | ₹14.72 L |
| 18 | ₹39.83 L | ₹13.95 L |
| 19 | ₹39.83 L | ₹13.16 L |
| 20 | ₹39.61 L | ₹12.35 L |
| 21 | ₹39.14 L | ₹11.51 L |
| 22 | ₹38.38 L | ₹10.65 L |
| 23 | ₹37.31 L | ₹9.77 L |
| 24 | ₹35.86 L | ₹8.86 L |
| 25 | ₹33.99 L | ₹7.92 L |
| 26 | ₹31.66 L | ₹6.96 L |
| 27 | ₹28.78 L | ₹5.97 L |
| 28 | ₹25.31 L | ₹4.95 L |
| 29 | ₹21.16 L | ₹3.9 L |
| 30 | ₹16.25 L | ₹2.83 L |
| 31 | ₹10.48 L | ₹1.72 L |
| 32 | ₹3.77 L | ₹58,421 |
| 33 | ₹0 | ₹0 |
| 34 | ₹0 | ₹0 |
| 35 | ₹0 | ₹0 |
| 36 | ₹0 | ₹0 |
| 37 | ₹0 | ₹0 |
| 38 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹1.13 Cr · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹1.13 Cr | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 38 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 38 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹9,122 | ₹10,000 | — |
| Monthly withdrawal in year 38 | ₹78,776 | ₹86,361 | — |
Year by year: ₹25 lakh with ₹10,000 a month
The highlighted row is year 33, 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹10,000 | ₹1,20,000 | ₹2,19,227 | ₹25,99,227 | ₹24,52,101 |
| 2 | ₹10,600 | ₹1,27,200 | ₹2,27,811 | ₹26,99,838 | ₹24,02,846 |
| 3 | ₹11,236 | ₹1,34,832 | ₹2,36,499 | ₹28,01,505 | ₹23,52,198 |
| 4 | ₹11,910 | ₹1,42,922 | ₹2,45,260 | ₹29,03,843 | ₹23,00,115 |
| 5 | ₹12,625 | ₹1,51,497 | ₹2,54,058 | ₹30,06,403 | ₹22,46,559 |
| 7 | ₹14,185 | ₹1,70,222 | ₹2,71,591 | ₹32,10,035 | ₹21,34,857 |
| 10 | ₹16,895 | ₹2,02,737 | ₹2,96,899 | ₹35,01,405 | ₹19,55,166 |
| 12 | ₹18,983 | ₹2,27,796 | ₹3,12,257 | ₹36,75,752 | ₹18,26,736 |
| 15 | ₹22,609 | ₹2,71,308 | ₹3,31,021 | ₹38,82,752 | ₹16,20,137 |
| 18 | ₹26,928 | ₹3,23,133 | ₹3,41,308 | ₹39,83,216 | ₹13,95,495 |
| 20 | ₹30,256 | ₹3,63,072 | ₹3,40,977 | ₹39,60,611 | ₹12,34,937 |
| 25 | ₹40,489 | ₹4,85,872 | ₹2,99,357 | ₹33,99,394 | ₹7,92,054 |
| 30 | ₹54,184 | ₹6,50,207 | ₹1,59,126 | ₹16,24,545 | ₹2,82,850 |
| 33 | ₹64,534 | ₹3,83,753 | ₹6,739 | ₹0 | ₹0 |
If the assumptions change: ₹25 lakh at ₹10,000 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) | ₹10,000 | 32 yrs 5 mo |
| Return 8% instead of 9% | ₹10,000 | 27 yrs 3 mo |
| Return 10% instead of 9% | ₹10,000 | 42 yrs 3 mo |
| Inflation 4% | ₹10,000 | Beyond 60 yrs |
| Inflation 8% | ₹10,000 | 24 yrs |
| Withdrawal never rises | ₹10,000 | Beyond 60 yrs |
| Start 10% lower at ₹9,000 | ₹9,000 | 38 yrs 11 mo |
Questions about this scenario
How long will ₹25 lakh last if I withdraw ₹10,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹25 lakh lasts 32 yrs 5 mo. You withdraw about ₹1.13 Cr in total, and the last full withdrawal is ₹64,534 a month. Real markets move up and down, so treat this as an estimate.
What monthly SWP can ₹25 lakh support for 30 years?
About ₹10,515 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 ₹56,974 a month in year 30. Withdrawing ₹10,000 instead is ₹515 less than that, so the money lasts longer than 30 years.
Does a lower return change how long ₹25 lakh lasts at ₹10,000 a month?
Yes. At 8% the money lasts 27 yrs 3 mo, at 9% 32 yrs 5 mo, and at 10% 42 yrs 3 mo. One percentage point of return moves the answer by 7 yrs 6 mo on average, so the return you assume matters as much as the amount.
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What the numbers say about ₹25 lakh and ₹10,000 a month
You are drawing ₹1,20,000 in the first year, which is 4.8% of the ₹25 lakh corpus, a modest rate. Put differently, the corpus is 20.8 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹10,000 a month would need ₹34.29 L, so this corpus covers 73% of that benchmark.
Growth covers the withdrawals for the first 18 years. In year 19 you take out ₹3.43 L while the corpus earns ₹3.42 L, and from then on the balance shrinks. It peaks at ₹39.83 L at the end of year 18, 59% above where you began.
Across the 32 yrs 5 mo you would withdraw ₹1.13 Cr in total, 452% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹10,000 of today becomes ₹64,534 a month by year 33, and the balance falls to ₹3.77 L at the end of year 32.
The most this corpus can pay for 30 years, with the same 6% yearly rise, is ₹10,515 a month, so ₹10,000 leaves a margin of ₹515 a month against a 30-year plan.
This uses one steady 9% return. If markets deliver 8% the money lasts 27 yrs 3 mo; at 10% it lasts 42 yrs 3 mo. A withdrawal that never rises would last beyond 60 yrs, but it would buy about 15% 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.