How long will ₹50 lakh last with ₹27,000 a month SWP?
₹50 lakh paying ₹27,000 a month, rising 6% a year with inflation, lasts 20 yrs 10 mo at a 9% return. Started at 60, that is until about age 80.
- Your money lasts
- 20 yrs 10 mo (caution)
- Runs short in year 21
- First-year withdrawal rate
- 6.5%
- ₹3,24,000 a year
- Corpus vs yearly spending
- 15.4×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹1.28 Cr
- 257% of the corpus
- Safe for 30 years
- ₹21,030 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 | ₹50 L | ₹50 L |
| 1 | ₹51.1 L | ₹48.21 L |
| 2 | ₹52.1 L | ₹46.37 L |
| 3 | ₹52.98 L | ₹44.48 L |
| 4 | ₹53.7 L | ₹42.54 L |
| 5 | ₹54.25 L | ₹40.54 L |
| 6 | ₹54.58 L | ₹38.48 L |
| 7 | ₹54.68 L | ₹36.37 L |
| 8 | ₹54.5 L | ₹34.19 L |
| 9 | ₹53.99 L | ₹31.96 L |
| 10 | ₹53.11 L | ₹29.66 L |
| 11 | ₹51.81 L | ₹27.29 L |
| 12 | ₹50.02 L | ₹24.86 L |
| 13 | ₹47.69 L | ₹22.36 L |
| 14 | ₹44.74 L | ₹19.79 L |
| 15 | ₹41.09 L | ₹17.15 L |
| 16 | ₹36.65 L | ₹14.43 L |
| 17 | ₹31.32 L | ₹11.63 L |
| 18 | ₹25 L | ₹8.76 L |
| 19 | ₹17.55 L | ₹5.8 L |
| 20 | ₹8.86 L | ₹2.76 L |
| 21 | ₹0 | ₹0 |
| 22 | ₹0 | ₹0 |
| 23 | ₹0 | ₹0 |
| 24 | ₹0 | ₹0 |
| 25 | ₹0 | ₹0 |
| 26 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹1.28 Cr · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹1.28 Cr | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 26 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 26 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹23,114 | ₹27,000 | — |
| Monthly withdrawal in year 26 | ₹99,201 | ₹1,15,881 | — |
Year by year: ₹50 lakh with ₹27,000 a month
The highlighted row is year 21, 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹27,000 | ₹3,24,000 | ₹4,34,413 | ₹51,10,413 | ₹48,21,144 |
| 2 | ₹28,620 | ₹3,43,440 | ₹4,43,415 | ₹52,10,388 | ₹46,37,227 |
| 3 | ₹30,337 | ₹3,64,046 | ₹4,51,421 | ₹52,97,763 | ₹44,48,104 |
| 4 | ₹32,157 | ₹3,85,889 | ₹4,58,234 | ₹53,70,108 | ₹42,53,628 |
| 5 | ₹34,087 | ₹4,09,043 | ₹4,63,631 | ₹54,24,697 | ₹40,53,649 |
| 7 | ₹38,300 | ₹4,59,600 | ₹4,69,152 | ₹54,68,027 | ₹36,36,550 |
| 10 | ₹45,616 | ₹5,47,391 | ₹4,59,553 | ₹53,10,906 | ₹29,65,582 |
| 12 | ₹51,254 | ₹6,15,049 | ₹4,36,678 | ₹50,02,368 | ₹24,86,023 |
| 15 | ₹61,044 | ₹7,32,533 | ₹3,67,436 | ₹41,09,087 | ₹17,14,578 |
| 18 | ₹72,705 | ₹8,72,458 | ₹2,39,930 | ₹24,99,721 | ₹8,75,762 |
| 20 | ₹81,691 | ₹9,80,294 | ₹1,10,826 | ₹8,85,931 | ₹2,76,237 |
| 21 | ₹86,593 | ₹9,16,815 | ₹30,885 | ₹0 | ₹0 |
If the assumptions change: ₹50 lakh at ₹27,000 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) | ₹27,000 | 20 yrs 10 mo |
| Return 8% instead of 9% | ₹27,000 | 18 yrs 9 mo |
| Return 10% instead of 9% | ₹27,000 | 23 yrs 9 mo |
| Inflation 4% | ₹27,000 | 28 yrs 4 mo |
| Inflation 8% | ₹27,000 | 17 yrs 3 mo |
| Withdrawal never rises | ₹27,000 | Beyond 60 yrs |
| Start 10% lower at ₹24,500 | ₹24,500 | 23 yrs 10 mo |
Questions about this scenario
How long will ₹50 lakh last if I withdraw ₹27,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹50 lakh lasts 20 yrs 10 mo. You withdraw about ₹1.28 Cr in total, and the last full withdrawal is ₹86,593 a month. Real markets move up and down, so treat this as an estimate.
What monthly SWP can ₹50 lakh support for 30 years?
About ₹21,030 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 ₹1,13,949 a month in year 30. Withdrawing ₹27,000 instead is ₹5,970 more than that, so the money runs out earlier.
Does a lower return change how long ₹50 lakh lasts at ₹27,000 a month?
Yes. At 8% the money lasts 18 yrs 9 mo, at 9% 20 yrs 10 mo, and at 10% 23 yrs 9 mo. One percentage point of return moves the answer by 2 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 ₹50 lakh and ₹27,000 a month
You are drawing ₹3,24,000 in the first year, which is 6.5% of the ₹50 lakh corpus, a middling rate. Put differently, the corpus is 15.4 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹27,000 a month would need ₹92.57 L, so this corpus covers 54% of that benchmark.
Growth covers the withdrawals for the first 7 years. In year 8 you take out ₹4.87 L while the corpus earns ₹4.69 L, and from then on the balance shrinks. It peaks at ₹54.68 L at the end of year 7, 9% above where you began.
Across the 20 yrs 10 mo you would withdraw ₹1.28 Cr in total, 257% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹27,000 of today becomes ₹86,593 a month by year 21, and the balance falls to ₹8.86 L at the end of year 20.
For the money to last 30 years instead, the first withdrawal would have to be ₹21,030 a month, which is ₹5,970 (22%) less than ₹27,000. 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 18 yrs 9 mo; at 10% it lasts 23 yrs 9 mo. A withdrawal that never rises would last beyond 60 yrs, but it would buy about 31% 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.