₹2 crore earning about 8% a year can pay you ₹1,32,450 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| Year | Total withdrawn | Money left |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 | ₹19,86,756 | ₹1,95,85,001 |
| 2 | ₹39,73,512 | ₹1,91,35,558 |
| 3 | ₹59,60,268 | ₹1,86,48,811 |
| 4 | ₹79,47,024 | ₹1,81,21,665 |
| 5 | ₹99,33,780 | ₹1,75,50,765 |
| 6 | ₹1,19,20,536 | ₹1,69,32,481 |
| 7 | ₹1,39,07,292 | ₹1,62,62,880 |
| 8 | ₹1,58,94,048 | ₹1,55,37,702 |
| 9 | ₹1,78,80,804 | ₹1,47,52,335 |
| 10 | ₹1,98,67,560 | ₹1,39,01,783 |
| 11 | ₹2,18,54,316 | ₹1,29,80,635 |
| 12 | ₹2,38,41,072 | ₹1,19,83,033 |
| 13 | ₹2,58,27,828 | ₹1,09,02,630 |
| 14 | ₹2,78,14,584 | ₹97,32,554 |
| 15 | ₹2,98,01,340 | ₹84,65,363 |
| 16 | ₹3,17,88,096 | ₹70,92,995 |
| 17 | ₹3,37,74,852 | ₹56,06,721 |
| 18 | ₹3,57,61,608 | ₹39,97,087 |
| 19 | ₹3,77,48,364 | ₹22,53,855 |
| 20 | ₹3,97,35,120 | ₹3,65,935 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.