₹10 lakh earning about 8% a year can pay you ₹6,622 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| Year | Total withdrawn | Money left |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 | ₹99,336 | ₹9,79,252 |
| 2 | ₹1,98,672 | ₹9,56,782 |
| 3 | ₹2,98,008 | ₹9,32,447 |
| 4 | ₹3,97,344 | ₹9,06,092 |
| 5 | ₹4,96,680 | ₹8,77,549 |
| 6 | ₹5,96,016 | ₹8,46,638 |
| 7 | ₹6,95,352 | ₹8,13,161 |
| 8 | ₹7,94,688 | ₹7,76,905 |
| 9 | ₹8,94,024 | ₹7,37,641 |
| 10 | ₹9,93,360 | ₹6,95,117 |
| 11 | ₹10,92,696 | ₹6,49,064 |
| 12 | ₹11,92,032 | ₹5,99,188 |
| 13 | ₹12,91,368 | ₹5,45,173 |
| 14 | ₹13,90,704 | ₹4,86,674 |
| 15 | ₹14,90,040 | ₹4,23,320 |
| 16 | ₹15,89,376 | ₹3,54,708 |
| 17 | ₹16,88,712 | ₹2,80,401 |
| 18 | ₹17,88,048 | ₹1,99,927 |
| 19 | ₹18,87,384 | ₹1,12,773 |
| 20 | ₹19,86,720 | ₹18,386 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.