How long will ₹40 lakh last with ₹35,000 a month SWP?
₹40 lakh paying ₹35,000 a month, rising 6% a year with inflation, lasts 11 yrs 4 mo at a 9% return. Started at 60, that is until about age 71.
- Your money lasts
- 11 yrs 4 mo (cost)
- Runs short in year 12
- First-year withdrawal rate
- 10.5%
- ₹4,20,000 a year
- Corpus vs yearly spending
- 9.5×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹66.05 L
- 165% of the corpus
- Safe for 30 years
- ₹16,824 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 | ₹40 L | ₹40 L |
| 1 | ₹39.2 L | ₹36.98 L |
| 2 | ₹38.06 L | ₹33.87 L |
| 3 | ₹36.54 L | ₹30.68 L |
| 4 | ₹34.58 L | ₹27.39 L |
| 5 | ₹32.14 L | ₹24.02 L |
| 6 | ₹29.14 L | ₹20.54 L |
| 7 | ₹25.52 L | ₹16.97 L |
| 8 | ₹21.2 L | ₹13.3 L |
| 9 | ₹16.09 L | ₹9.52 L |
| 10 | ₹10.1 L | ₹5.64 L |
| 11 | ₹3.12 L | ₹1.65 L |
| 12 | ₹0 | ₹0 |
| 13 | ₹0 | ₹0 |
| 14 | ₹0 | ₹0 |
| 15 | ₹0 | ₹0 |
| 16 | ₹0 | ₹0 |
| 17 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹66.05 L · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹66.05 L | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 17 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 17 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹25,256 | ₹35,000 | — |
| Monthly withdrawal in year 17 | ₹64,159 | ₹88,912 | — |
Year by year: ₹40 lakh with ₹35,000 a month
The highlighted row is year 12, 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹35,000 | ₹4,20,000 | ₹3,39,795 | ₹39,19,795 | ₹36,97,919 |
| 2 | ₹37,100 | ₹4,45,200 | ₹3,31,364 | ₹38,05,958 | ₹33,87,289 |
| 3 | ₹39,326 | ₹4,71,912 | ₹3,19,833 | ₹36,53,880 | ₹30,67,868 |
| 4 | ₹41,686 | ₹5,00,227 | ₹3,04,784 | ₹34,58,437 | ₹27,39,406 |
| 5 | ₹44,187 | ₹5,30,240 | ₹2,85,750 | ₹32,13,947 | ₹24,01,648 |
| 6 | ₹46,838 | ₹5,62,055 | ₹2,62,216 | ₹29,14,108 | ₹20,54,331 |
| 7 | ₹49,648 | ₹5,95,778 | ₹2,33,608 | ₹25,51,938 | ₹16,97,185 |
| 8 | ₹52,627 | ₹6,31,525 | ₹1,99,293 | ₹21,19,706 | ₹13,29,930 |
| 9 | ₹55,785 | ₹6,69,416 | ₹1,58,569 | ₹16,08,859 | ₹9,52,281 |
| 10 | ₹59,132 | ₹7,09,581 | ₹1,10,661 | ₹10,09,939 | ₹5,63,944 |
| 11 | ₹62,680 | ₹7,52,156 | ₹54,710 | ₹3,12,492 | ₹1,64,617 |
| 12 | ₹66,440 | ₹3,16,776 | ₹4,284 | ₹0 | ₹0 |
If the assumptions change: ₹40 lakh at ₹35,000 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) | ₹35,000 | 11 yrs 4 mo |
| Return 8% instead of 9% | ₹35,000 | 10 yrs 9 mo |
| Return 10% instead of 9% | ₹35,000 | 12 yrs 1 mo |
| Inflation 4% | ₹35,000 | 12 yrs 10 mo |
| Inflation 8% | ₹35,000 | 10 yrs 3 mo |
| Withdrawal never rises | ₹35,000 | 19 yrs 9 mo |
| Start 10% lower at ₹31,500 | ₹31,500 | 12 yrs 11 mo |
Questions about this scenario
How long will ₹40 lakh last if I withdraw ₹35,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹40 lakh lasts 11 yrs 4 mo. You withdraw about ₹66.05 L in total, and the last full withdrawal is ₹66,440 a month. Real markets move up and down, so treat this as an estimate.
What monthly SWP can ₹40 lakh support for 30 years?
About ₹16,824 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 ₹91,159 a month in year 30. Withdrawing ₹35,000 instead is ₹18,176 more than that, so the money runs out earlier.
Does a lower return change how long ₹40 lakh lasts at ₹35,000 a month?
Yes. At 8% the money lasts 10 yrs 9 mo, at 9% 11 yrs 4 mo, and at 10% 12 yrs 1 mo. One percentage point of return moves the answer by 8 mo on average, so the return you assume matters as much as the amount.
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What the numbers say about ₹40 lakh and ₹35,000 a month
You are drawing ₹4,20,000 in the first year, which is 10.5% of the ₹40 lakh corpus, a heavy rate. Put differently, the corpus is 9.5 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹35,000 a month would need ₹1.2 Cr, so this corpus covers 33% of that benchmark.
Withdrawals are larger than growth from the very first year: you take out ₹4.2 L and the corpus earns ₹3.4 L. The balance therefore never rises above ₹40 lakh and drops below half of it during year 9.
Across the 11 yrs 4 mo you would withdraw ₹66.05 L in total, 165% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹35,000 of today becomes ₹66,440 a month by year 12, and the balance falls to ₹3.12 L at the end of year 11.
For the money to last 30 years instead, the first withdrawal would have to be ₹16,824 a month, which is ₹18,176 (52%) less than ₹35,000. 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 10 yrs 9 mo; at 10% it lasts 12 yrs 1 mo. A withdrawal that never rises would last 19 yrs 9 mo, but it would buy about 53% 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.