₹1 crore earning about 8% a year can pay you ₹66,225 a month through an SWP without reducing the original amount. Take more and the money slowly runs down.
Prices rise every year, so a fixed monthly amount buys less over time. Many retirees take a little less than the safe figure in the first years, or raise the withdrawal only slowly.
| Year | Total withdrawn | Money left |
|---|---|---|
| 1 | ₹9,93,372 | ₹97,92,507 |
| 2 | ₹19,86,744 | ₹95,67,792 |
| 3 | ₹29,80,116 | ₹93,24,426 |
| 4 | ₹39,73,488 | ₹90,60,861 |
| 5 | ₹49,66,860 | ₹87,75,420 |
| 6 | ₹59,60,232 | ₹84,66,287 |
| 7 | ₹69,53,604 | ₹81,31,496 |
| 8 | ₹79,46,976 | ₹77,68,919 |
| 9 | ₹89,40,348 | ₹73,76,247 |
| 10 | ₹99,33,720 | ₹69,50,984 |
| 11 | ₹1,09,27,092 | ₹64,90,424 |
| 12 | ₹1,19,20,464 | ₹59,91,638 |
| 13 | ₹1,29,13,836 | ₹54,51,452 |
| 14 | ₹1,39,07,208 | ₹48,66,432 |
| 15 | ₹1,49,00,580 | ₹42,32,855 |
| 16 | ₹1,58,93,952 | ₹35,46,692 |
| 17 | ₹1,68,87,324 | ₹28,03,578 |
| 18 | ₹1,78,80,696 | ₹19,98,785 |
| 19 | ₹1,88,74,068 | ₹11,27,195 |
| 20 | ₹1,98,67,440 | ₹1,83,264 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.