How long will ₹75 lakh last with ₹30,000 a month SWP?
₹75 lakh paying ₹30,000 a month, rising 6% a year with inflation, lasts 32 yrs 5 mo at a 9% return. Started at 60, that is until about age 92.
- Your money lasts
- 32 yrs 5 mo (good)
- Runs short in year 33
- First-year withdrawal rate
- 4.8%
- ₹3,60,000 a year
- Corpus vs yearly spending
- 20.8×
- 3.5% benchmark is 28.6×
- Total withdrawn
- ₹3.39 Cr
- 452% of the corpus
- Safe for 30 years
- ₹31,545 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 | ₹75 L | ₹75 L |
| 1 | ₹77.98 L | ₹73.56 L |
| 2 | ₹81 L | ₹72.09 L |
| 3 | ₹84.05 L | ₹70.57 L |
| 4 | ₹87.12 L | ₹69 L |
| 5 | ₹90.19 L | ₹67.4 L |
| 6 | ₹93.26 L | ₹65.74 L |
| 7 | ₹96.3 L | ₹64.05 L |
| 8 | ₹99.29 L | ₹62.3 L |
| 9 | ₹1.02 Cr | ₹60.5 L |
| 10 | ₹1.05 Cr | ₹58.65 L |
| 11 | ₹1.08 Cr | ₹56.76 L |
| 12 | ₹1.1 Cr | ₹54.8 L |
| 13 | ₹1.13 Cr | ₹52.79 L |
| 14 | ₹1.15 Cr | ₹50.73 L |
| 15 | ₹1.16 Cr | ₹48.6 L |
| 16 | ₹1.18 Cr | ₹46.42 L |
| 17 | ₹1.19 Cr | ₹44.17 L |
| 18 | ₹1.19 Cr | ₹41.86 L |
| 19 | ₹1.19 Cr | ₹39.49 L |
| 20 | ₹1.19 Cr | ₹37.05 L |
| 21 | ₹1.17 Cr | ₹34.54 L |
| 22 | ₹1.15 Cr | ₹31.95 L |
| 23 | ₹1.12 Cr | ₹29.3 L |
| 24 | ₹1.08 Cr | ₹26.57 L |
| 25 | ₹1.02 Cr | ₹23.76 L |
| 26 | ₹94.97 L | ₹20.87 L |
| 27 | ₹86.35 L | ₹17.91 L |
| 28 | ₹75.92 L | ₹14.85 L |
| 29 | ₹63.47 L | ₹11.71 L |
| 30 | ₹48.74 L | ₹8.49 L |
| 31 | ₹31.45 L | ₹5.17 L |
| 32 | ₹11.31 L | ₹1.75 L |
| 33 | ₹0 | ₹0 |
| 34 | ₹0 | ₹0 |
| 35 | ₹0 | ₹0 |
| 36 | ₹0 | ₹0 |
| 37 | ₹0 | ₹0 |
| 38 | ₹0 | ₹0 |
Withdrawn vs still invested
- Withdrawn₹3.39 Cr · 100%
- Left at the end₹0 · 0%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Withdrawn | ₹3.39 Cr | 100% |
| Left at the end | ₹0 | 0% |
Your withdrawal vs the sustainable one
- Sustainable for 38 yrs
- Your plan
Show the numbers
| Measure | Sustainable for 38 yrs | Your plan | Difference |
|---|---|---|---|
| Monthly withdrawal in year 1 | ₹27,365 | ₹30,000 | — |
| Monthly withdrawal in year 38 | ₹2,36,328 | ₹2,59,083 | — |
Year by year: ₹75 lakh with ₹30,000 a month
The highlighted row is year 33, 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| Year | Monthly withdrawal | Withdrawn in year | Growth in year | Balance at year end | Balance in today's money |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 | ₹30,000 | ₹3,60,000 | ₹6,57,681 | ₹77,97,681 | ₹73,56,303 |
| 2 | ₹31,800 | ₹3,81,600 | ₹6,83,433 | ₹80,99,514 | ₹72,08,539 |
| 3 | ₹33,708 | ₹4,04,496 | ₹7,09,497 | ₹84,04,515 | ₹70,56,593 |
| 4 | ₹35,730 | ₹4,28,766 | ₹7,35,779 | ₹87,11,528 | ₹69,00,346 |
| 5 | ₹37,874 | ₹4,54,492 | ₹7,62,173 | ₹90,19,209 | ₹67,39,678 |
| 7 | ₹42,556 | ₹5,10,667 | ₹8,14,773 | ₹96,30,106 | ₹64,04,571 |
| 10 | ₹50,684 | ₹6,08,212 | ₹8,90,696 | ₹1,05,04,214 | ₹58,65,498 |
| 12 | ₹56,949 | ₹6,83,387 | ₹9,36,772 | ₹1,10,27,257 | ₹54,80,209 |
| 15 | ₹67,827 | ₹8,13,925 | ₹9,93,064 | ₹1,16,48,257 | ₹48,60,411 |
| 18 | ₹80,783 | ₹9,69,398 | ₹10,23,925 | ₹1,19,49,647 | ₹41,86,484 |
| 20 | ₹90,768 | ₹10,89,216 | ₹10,22,930 | ₹1,18,81,833 | ₹37,04,812 |
| 25 | ₹1,21,468 | ₹14,57,616 | ₹8,98,072 | ₹1,01,98,183 | ₹23,76,163 |
| 30 | ₹1,62,552 | ₹19,50,620 | ₹4,77,378 | ₹48,73,636 | ₹8,48,549 |
| 33 | ₹1,93,602 | ₹11,51,260 | ₹20,218 | ₹0 | ₹0 |
If the assumptions change: ₹75 lakh at ₹30,000 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) | ₹30,000 | 32 yrs 5 mo |
| Return 8% instead of 9% | ₹30,000 | 27 yrs 3 mo |
| Return 10% instead of 9% | ₹30,000 | 42 yrs 3 mo |
| Inflation 4% | ₹30,000 | Beyond 60 yrs |
| Inflation 8% | ₹30,000 | 24 yrs |
| Withdrawal never rises | ₹30,000 | Beyond 60 yrs |
| Start 10% lower at ₹27,000 | ₹27,000 | 38 yrs 11 mo |
Questions about this scenario
How long will ₹75 lakh last if I withdraw ₹30,000 a month?
With a 9% yearly return and a withdrawal that rises 6% every year, ₹75 lakh lasts 32 yrs 5 mo. You withdraw about ₹3.39 Cr in total, and the last full withdrawal is ₹1,93,602 a month. Real markets move up and down, so treat this as an estimate.
What monthly SWP can ₹75 lakh support for 30 years?
About ₹31,545 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 ₹1,70,923 a month in year 30. Withdrawing ₹30,000 instead is ₹1,545 less than that, so the money lasts longer than 30 years.
Does a lower return change how long ₹75 lakh lasts at ₹30,000 a month?
Yes. At 8% the money lasts 27 yrs 3 mo, at 9% 32 yrs 5 mo, and at 10% 42 yrs 3 mo. One percentage point of return moves the answer by 7 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 ₹75 lakh and ₹30,000 a month
You are drawing ₹3,60,000 in the first year, which is 4.8% of the ₹75 lakh corpus, a modest rate. Put differently, the corpus is 20.8 times your first year of withdrawals. At the 3.5% starting rate many Indian planners prefer, the same ₹30,000 a month would need ₹1.03 Cr, so this corpus covers 73% of that benchmark.
Growth covers the withdrawals for the first 18 years. In year 19 you take out ₹10.28 L while the corpus earns ₹10.26 L, and from then on the balance shrinks. It peaks at ₹1.19 Cr at the end of year 18, 59% above where you began.
Across the 32 yrs 5 mo you would withdraw ₹3.39 Cr in total, 452% of the starting corpus, because growth keeps paying part of the bill. Inflation does the damage: the ₹30,000 of today becomes ₹1,93,602 a month by year 33, and the balance falls to ₹11.31 L at the end of year 32.
The most this corpus can pay for 30 years, with the same 6% yearly rise, is ₹31,545 a month, so ₹30,000 leaves a margin of ₹1,545 a month against a 30-year plan.
This uses one steady 9% return. If markets deliver 8% the money lasts 27 yrs 3 mo; at 10% it lasts 42 yrs 3 mo. A withdrawal that never rises would last beyond 60 yrs, but it would buy about 15% 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.