How long will ₹5 crore last with ₹2,10,000 a month SWP?
₹5 crore paying ₹2,10,000 a month, rising 6% a year with inflation, lasts 30 yrs at a 9% return. Started at 60, that is until about age 90.
- Your money lasts
- 30 yrs (good)
- Runs short in year 30
- First-year withdrawal rate
- 5%
- ₹25,20,000 a year
- Corpus vs yearly spending
- 19.8×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹20.02 Cr
- 400% of the corpus
- Safe for 30 years
- ₹2,10,300 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 | ₹5 Cr | ₹5 Cr |
| 1 | ₹5.19 Cr | ₹4.89 Cr |
| 2 | ₹5.37 Cr | ₹4.78 Cr |
| 3 | ₹5.56 Cr | ₹4.67 Cr |
| 4 | ₹5.75 Cr | ₹4.55 Cr |
| 5 | ₹5.93 Cr | ₹4.43 Cr |
| 6 | ₹6.11 Cr | ₹4.31 Cr |
| 7 | ₹6.28 Cr | ₹4.18 Cr |
| 8 | ₹6.45 Cr | ₹4.05 Cr |
| 9 | ₹6.61 Cr | ₹3.91 Cr |
| 10 | ₹6.76 Cr | ₹3.78 Cr |
| 11 | ₹6.9 Cr | ₹3.63 Cr |
| 12 | ₹7.02 Cr | ₹3.49 Cr |
| 13 | ₹7.12 Cr | ₹3.34 Cr |
| 14 | ₹7.19 Cr | ₹3.18 Cr |
| 15 | ₹7.24 Cr | ₹3.02 Cr |
| 16 | ₹7.26 Cr | ₹2.86 Cr |
| 17 | ₹7.24 Cr | ₹2.69 Cr |
| 18 | ₹7.19 Cr | ₹2.52 Cr |
| 19 | ₹7.08 Cr | ₹2.34 Cr |
| 20 | ₹6.92 Cr | ₹2.16 Cr |
| 21 | ₹6.69 Cr | ₹1.97 Cr |
| 22 | ₹6.4 Cr | ₹1.77 Cr |
| 23 | ₹6.02 Cr | ₹1.58 Cr |
| 24 | ₹5.55 Cr | ₹1.37 Cr |
| 25 | ₹4.98 Cr | ₹1.16 Cr |
| 26 | ₹4.3 Cr | ₹94.47 L |
| 27 | ₹3.48 Cr | ₹72.23 L |
| 28 | ₹2.52 Cr | ₹49.35 L |
| 29 | ₹1.4 Cr | ₹25.83 L |
| 30 | ₹9.46 L | ₹1.65 L |
| 31 | ₹0 | ₹0 |
| 32 | ₹0 | ₹0 |
| 33 | ₹0 | ₹0 |
| 34 | ₹0 | ₹0 |
| 35 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹20.02 Cr · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹20.02 Cr | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 35 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 35 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹1,91,282 | ₹2,10,000 | — |
| Monthly withdrawal in year 35 | ₹13,86,994 | ₹15,22,715 | — |
Year by year: ₹5 crore with ₹2,10,000 a month
The highlighted row is year 30, 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹2,10,000 | ₹25,20,000 | ₹43,78,767 | ₹5,18,58,767 | ₹4,89,23,365 |
| 2 | ₹2,22,600 | ₹26,71,200 | ₹45,38,782 | ₹5,37,26,350 | ₹4,78,16,260 |
| 3 | ₹2,35,956 | ₹28,31,472 | ₹46,99,154 | ₹5,55,94,032 | ₹4,66,77,821 |
| 4 | ₹2,50,113 | ₹30,01,360 | ₹48,59,073 | ₹5,74,51,744 | ₹4,55,07,163 |
| 5 | ₹2,65,120 | ₹31,81,442 | ₹50,17,603 | ₹5,92,87,906 | ₹4,43,03,372 |
| 7 | ₹2,97,889 | ₹35,74,668 | ₹53,26,062 | ₹6,28,40,646 | ₹4,17,92,618 |
| 10 | ₹3,54,791 | ₹42,57,487 | ₹57,46,194 | ₹6,76,11,088 | ₹3,77,53,678 |
| 12 | ₹3,98,643 | ₹47,83,712 | ₹59,76,808 | ₹7,01,59,135 | ₹3,48,66,941 |
| 15 | ₹4,74,790 | ₹56,97,478 | ₹61,99,560 | ₹7,24,31,590 | ₹3,02,23,172 |
| 18 | ₹5,65,482 | ₹67,85,787 | ₹61,93,756 | ₹7,18,54,725 | ₹2,51,73,857 |
| 20 | ₹6,35,376 | ₹76,24,511 | ₹60,03,639 | ₹6,91,61,804 | ₹2,15,64,977 |
| 25 | ₹8,50,276 | ₹1,02,03,315 | ₹45,06,511 | ₹4,98,29,581 | ₹1,16,10,224 |
| 30 | ₹11,37,861 | ₹1,36,54,338 | ₹6,02,906 | ₹9,46,259 | ₹1,64,753 |
If the assumptions change: ₹5 crore at ₹2,10,000 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) | ₹2,10,000 | 30 yrs |
| Return 8% instead of 9% | ₹2,10,000 | 25 yrs 7 mo |
| Return 10% instead of 9% | ₹2,10,000 | 37 yrs 9 mo |
| Inflation 4% | ₹2,10,000 | Beyond 60 yrs |
| Inflation 8% | ₹2,10,000 | 22 yrs 9 mo |
| Withdrawal never rises | ₹2,10,000 | Beyond 60 yrs |
| Start 10% lower at ₹1,89,000 | ₹1,89,000 | 35 yrs 8 mo |
Questions about this scenario
How long will ₹5 crore last if I withdraw ₹2,10,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹5 crore lasts 30 yrs. You withdraw about ₹20.02 Cr in total, and the last full withdrawal is ₹11,37,861 a month. Real markets move up and down, so treat this as an estimate.
What monthly SWP can ₹5 crore support for 30 years?
About ₹2,10,300 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 ₹11,39,487 a month in year 30. Withdrawing ₹2,10,000 instead is ₹300 less than that, so the money lasts longer than 30 years.
Does a lower return change how long ₹5 crore lasts at ₹2,10,000 a month?
Yes. At 8% the money lasts 25 yrs 7 mo, at 9% 30 yrs, and at 10% 37 yrs 9 mo. One percentage point of return moves the answer by 6 yrs 1 mo on average, so the return you assume matters as much as the amount.
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What the numbers say about ₹5 crore and ₹2,10,000 a month
You are drawing ₹25,20,000 in the first year, which is 5% of the ₹5 crore corpus, a modest rate. Put differently, the corpus is 19.8 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹2,10,000 a month would need ₹7.2 Cr, so this corpus covers 69% of that benchmark.
Growth covers the withdrawals for the first 16 years. In year 17 you take out ₹64.02 L while the corpus earns ₹62.28 L, and from then on the balance shrinks. It peaks at ₹7.26 Cr at the end of year 16, 45% above where you began.
Across the 30 yrs you would withdraw ₹20.02 Cr in total, 400% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹2,10,000 of today becomes ₹11,37,861 a month by year 30, and the balance falls to ₹1.4 Cr at the end of year 29.
The most this corpus can pay for 30 years, with the same 6% yearly rise, is ₹2,10,300 a month, so ₹2,10,000 leaves a margin of ₹300 a month against a 30-year plan.
This uses one steady 9% return. If markets deliver 8% the money lasts 25 yrs 7 mo; at 10% it lasts 37 yrs 9 mo. A withdrawal that never rises would last beyond 60 yrs, but it would buy about 18% 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.