₹3 crore earning about 8% a year can pay you ₹1,98,675 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| Year | Total withdrawn | Money left |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 | ₹29,80,128 | ₹2,93,77,508 |
| 2 | ₹59,60,256 | ₹2,87,03,350 |
| 3 | ₹89,40,384 | ₹2,79,73,237 |
| 4 | ₹1,19,20,512 | ₹2,71,82,525 |
| 5 | ₹1,49,00,640 | ₹2,63,26,185 |
| 6 | ₹1,78,80,768 | ₹2,53,98,768 |
| 7 | ₹2,08,60,896 | ₹2,43,94,376 |
| 8 | ₹2,38,41,024 | ₹2,33,06,621 |
| 9 | ₹2,68,21,152 | ₹2,21,28,582 |
| 10 | ₹2,98,01,280 | ₹2,08,52,767 |
| 11 | ₹3,27,81,408 | ₹1,94,71,059 |
| 12 | ₹3,57,61,536 | ₹1,79,74,670 |
| 13 | ₹3,87,41,664 | ₹1,63,54,082 |
| 14 | ₹4,17,21,792 | ₹1,45,98,986 |
| 15 | ₹4,47,01,920 | ₹1,26,98,218 |
| 16 | ₹4,76,82,048 | ₹1,06,39,687 |
| 17 | ₹5,06,62,176 | ₹84,10,299 |
| 18 | ₹5,36,42,304 | ₹59,95,873 |
| 19 | ₹5,66,22,432 | ₹33,81,050 |
| 20 | ₹5,96,02,560 | ₹5,49,199 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.