₹25 lakh earning about 8% a year can pay you ₹16,556 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| Year | Total withdrawn | Money left |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 | ₹2,48,340 | ₹24,48,130 |
| 2 | ₹4,96,680 | ₹23,91,955 |
| 3 | ₹7,45,020 | ₹23,31,117 |
| 4 | ₹9,93,360 | ₹22,65,229 |
| 5 | ₹12,41,700 | ₹21,93,873 |
| 6 | ₹14,90,040 | ₹21,16,595 |
| 7 | ₹17,38,380 | ₹20,32,902 |
| 8 | ₹19,86,720 | ₹19,42,263 |
| 9 | ₹22,35,060 | ₹18,44,101 |
| 10 | ₹24,83,400 | ₹17,37,792 |
| 11 | ₹27,31,740 | ₹16,22,659 |
| 12 | ₹29,80,080 | ₹14,97,970 |
| 13 | ₹32,28,420 | ₹13,62,932 |
| 14 | ₹34,76,760 | ₹12,16,686 |
| 15 | ₹37,25,100 | ₹10,58,301 |
| 16 | ₹39,73,440 | ₹8,86,771 |
| 17 | ₹42,21,780 | ₹7,01,003 |
| 18 | ₹44,70,120 | ₹4,99,817 |
| 19 | ₹47,18,460 | ₹2,81,933 |
| 20 | ₹49,66,800 | ₹45,964 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.