How long will ₹50 lakh last with ₹35,000 a month SWP?
₹50 lakh paying ₹35,000 a month, rising 6% a year with inflation, lasts 14 yrs 11 mo at a 9% return. Started at 60, that is until about age 74.
- Your money lasts
- 14 yrs 11 mo (cost)
- Runs short in year 15
- First-year withdrawal rate
- 8.4%
- ₹4,20,000 a year
- Corpus vs yearly spending
- 11.9×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹97.07 L
- 194% 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 | ₹50.1 L | ₹47.26 L |
| 2 | ₹49.94 L | ₹44.45 L |
| 3 | ₹49.49 L | ₹41.55 L |
| 4 | ₹48.7 L | ₹38.58 L |
| 5 | ₹47.53 L | ₹35.51 L |
| 6 | ₹45.91 L | ₹32.37 L |
| 7 | ₹43.8 L | ₹29.13 L |
| 8 | ₹41.12 L | ₹25.8 L |
| 9 | ₹37.81 L | ₹22.38 L |
| 10 | ₹33.77 L | ₹18.86 L |
| 11 | ₹28.93 L | ₹15.24 L |
| 12 | ₹23.18 L | ₹11.52 L |
| 13 | ₹16.4 L | ₹7.69 L |
| 14 | ₹8.49 L | ₹3.76 L |
| 15 | ₹0 | ₹0 |
| 16 | ₹0 | ₹0 |
| 17 | ₹0 | ₹0 |
| 18 | ₹0 | ₹0 |
| 19 | ₹0 | ₹0 |
| 20 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹97.07 L · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹97.07 L | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 20 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 20 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹27,881 | ₹35,000 | — |
| Monthly withdrawal in year 20 | ₹84,358 | ₹1,05,896 | — |
Year by year: ₹50 lakh with ₹35,000 a month
The highlighted row is year 15, 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹4,29,795 | ₹50,09,795 | ₹47,26,221 |
| 2 | ₹37,100 | ₹4,45,200 | ₹4,29,464 | ₹49,94,058 | ₹44,44,694 |
| 3 | ₹39,326 | ₹4,71,912 | ₹4,26,762 | ₹49,48,909 | ₹41,55,199 |
| 4 | ₹41,686 | ₹5,00,227 | ₹4,21,337 | ₹48,70,019 | ₹38,57,511 |
| 5 | ₹44,187 | ₹5,30,240 | ₹4,12,793 | ₹47,52,571 | ₹35,51,398 |
| 7 | ₹49,648 | ₹5,95,778 | ₹3,84,547 | ₹43,79,977 | ₹29,12,935 |
| 10 | ₹59,132 | ₹7,09,581 | ₹3,06,131 | ₹33,77,302 | ₹18,85,868 |
| 12 | ₹66,440 | ₹7,97,285 | ₹2,22,007 | ₹23,17,640 | ₹11,51,796 |
| 15 | ₹79,132 | ₹8,80,402 | ₹31,240 | ₹0 | ₹0 |
If the assumptions change: ₹50 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 | 14 yrs 11 mo |
| Return 8% instead of 9% | ₹35,000 | 13 yrs 10 mo |
| Return 10% instead of 9% | ₹35,000 | 16 yrs 2 mo |
| Inflation 4% | ₹35,000 | 17 yrs 10 mo |
| Inflation 8% | ₹35,000 | 13 yrs |
| Withdrawal never rises | ₹35,000 | Beyond 60 yrs |
| Start 10% lower at ₹31,500 | ₹31,500 | 17 yrs |
Questions about this scenario
How long will ₹50 lakh last if I withdraw ₹35,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹50 lakh lasts 14 yrs 11 mo. You withdraw about ₹97.07 L in total, and the last full withdrawal is ₹79,132 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 ₹35,000 instead is ₹13,970 more than that, so the money runs out earlier.
Does a lower return change how long ₹50 lakh lasts at ₹35,000 a month?
Yes. At 8% the money lasts 13 yrs 10 mo, at 9% 14 yrs 11 mo, and at 10% 16 yrs 2 mo. One percentage point of return moves the answer by 1 yr 2 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 ₹35,000 a month
You are drawing ₹4,20,000 in the first year, which is 8.4% of the ₹50 lakh corpus, a middling rate. Put differently, the corpus is 11.9 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 42% of that benchmark.
Growth covers the withdrawals for the first 1 year. In year 2 you take out ₹4.45 L while the corpus earns ₹4.29 L, and from then on the balance shrinks.
Across the 14 yrs 11 mo you would withdraw ₹97.07 L in total, 194% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹35,000 of today becomes ₹79,132 a month by year 15, and the balance falls to ₹8.49 L at the end of year 14.
For the money to last 30 years instead, the first withdrawal would have to be ₹21,030 a month, which is ₹13,970 (40%) 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 13 yrs 10 mo; at 10% it lasts 16 yrs 2 mo. A withdrawal that never rises would last beyond 60 yrs, but it would buy about 44% 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.