How long will ₹25 lakh last with ₹26,000 a month SWP?
₹25 lakh paying ₹26,000 a month, rising 6% a year with inflation, lasts 9 yrs 3 mo at a 9% return. Started at 60, that is until about age 69.
- Your money lasts
- 9 yrs 3 mo (cost)
- Runs short in year 10
- First-year withdrawal rate
- 12.5%
- ₹3,12,000 a year
- Corpus vs yearly spending
- 8.0×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹37.58 L
- 150% of the corpus
- Safe for 30 years
- ₹10,515 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 | ₹25 L | ₹25 L |
| 1 | ₹23.98 L | ₹22.62 L |
| 2 | ₹22.67 L | ₹20.18 L |
| 3 | ₹21.04 L | ₹17.66 L |
| 4 | ₹19.04 L | ₹15.08 L |
| 5 | ₹16.62 L | ₹12.42 L |
| 6 | ₹13.74 L | ₹9.69 L |
| 7 | ₹10.34 L | ₹6.88 L |
| 8 | ₹6.35 L | ₹3.99 L |
| 9 | ₹1.71 L | ₹1.01 L |
| 10 | ₹0 | ₹0 |
| 11 | ₹0 | ₹0 |
| 12 | ₹0 | ₹0 |
| 13 | ₹0 | ₹0 |
| 14 | ₹0 | ₹0 |
| 15 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹37.58 L · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹37.58 L | 100% |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 | ₹17,433 | ₹26,000 | — |
| Monthly withdrawal in year 15 | ₹39,415 | ₹58,784 | — |
Year by year: ₹25 lakh with ₹26,000 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹26,000 | ₹3,12,000 | ₹2,09,990 | ₹23,97,990 | ₹22,62,255 |
| 2 | ₹27,560 | ₹3,30,720 | ₹1,99,909 | ₹22,67,179 | ₹20,17,781 |
| 3 | ₹29,214 | ₹3,50,563 | ₹1,87,181 | ₹21,03,797 | ₹17,66,388 |
| 4 | ₹30,966 | ₹3,71,597 | ₹1,71,465 | ₹19,03,665 | ₹15,07,881 |
| 5 | ₹32,824 | ₹3,93,893 | ₹1,52,380 | ₹16,62,152 | ₹12,42,057 |
| 6 | ₹34,794 | ₹4,17,526 | ₹1,29,507 | ₹13,74,133 | ₹9,68,710 |
| 7 | ₹36,881 | ₹4,42,578 | ₹1,02,380 | ₹10,33,936 | ₹6,87,626 |
| 8 | ₹39,094 | ₹4,69,133 | ₹70,485 | ₹6,35,288 | ₹3,98,588 |
| 9 | ₹41,440 | ₹4,97,281 | ₹33,253 | ₹1,71,260 | ₹1,01,369 |
| 10 | ₹43,926 | ₹1,73,081 | ₹1,821 | ₹0 | ₹0 |
If the assumptions change: ₹25 lakh at ₹26,000 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) | ₹26,000 | 9 yrs 3 mo |
| Return 8% instead of 9% | ₹26,000 | 8 yrs 11 mo |
| Return 10% instead of 9% | ₹26,000 | 9 yrs 9 mo |
| Inflation 4% | ₹26,000 | 10 yrs 3 mo |
| Inflation 8% | ₹26,000 | 8 yrs 7 mo |
| Withdrawal never rises | ₹26,000 | 13 yrs 6 mo |
| Start 10% lower at ₹23,500 | ₹23,500 | 10 yrs 5 mo |
Questions about this scenario
How long will ₹25 lakh last if I withdraw ₹26,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹25 lakh lasts 9 yrs 3 mo. You withdraw about ₹37.58 L in total, and the last full withdrawal is ₹43,926 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 ₹26,000 instead is ₹15,485 more than that, so the money runs out earlier.
Does a lower return change how long ₹25 lakh lasts at ₹26,000 a month?
Yes. At 8% the money lasts 8 yrs 11 mo, at 9% 9 yrs 3 mo, and at 10% 9 yrs 9 mo. One percentage point of return moves the answer by 5 mo on average, so the return you assume matters as much as the amount.
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Change the return, the inflation rate or any other assumption in the SWP Calculator with this scenario pre-filled, or browse every how long will it last scenario.
What the numbers say about ₹25 lakh and ₹26,000 a month
You are drawing ₹3,12,000 in the first year, which is 12.5% of the ₹25 lakh corpus, a heavy rate. Put differently, the corpus is 8.0 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹26,000 a month would need ₹89.14 L, so this corpus covers 28% of that benchmark.
Withdrawals are larger than growth from the very first year: you take out ₹3.12 L and the corpus earns ₹2.1 L. The balance therefore never rises above ₹25 lakh and drops below half of it during year 7.
Across the 9 yrs 3 mo you would withdraw ₹37.58 L in total, 150% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹26,000 of today becomes ₹43,926 a month by year 10, and the balance falls to ₹1.71 L at the end of year 9.
For the money to last 30 years instead, the first withdrawal would have to be ₹10,515 a month, which is ₹15,485 (60%) less than ₹26,000. 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 8 yrs 11 mo; at 10% it lasts 9 yrs 9 mo. A withdrawal that never rises would last 13 yrs 6 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.