₹5 crore earning about 8% a year can pay you ₹3,31,125 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| Year | Total withdrawn | Money left |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 | ₹49,66,872 | ₹4,89,62,522 |
| 2 | ₹99,33,744 | ₹4,78,38,934 |
| 3 | ₹1,49,00,616 | ₹4,66,22,089 |
| 4 | ₹1,98,67,488 | ₹4,53,04,247 |
| 5 | ₹2,48,34,360 | ₹4,38,77,024 |
| 6 | ₹2,98,01,232 | ₹4,23,31,342 |
| 7 | ₹3,47,68,104 | ₹4,06,57,369 |
| 8 | ₹3,97,34,976 | ₹3,88,44,458 |
| 9 | ₹4,47,01,848 | ₹3,68,81,076 |
| 10 | ₹4,96,68,720 | ₹3,47,54,734 |
| 11 | ₹5,46,35,592 | ₹3,24,51,906 |
| 12 | ₹5,96,02,464 | ₹2,99,57,946 |
| 13 | ₹6,45,69,336 | ₹2,72,56,987 |
| 14 | ₹6,95,36,208 | ₹2,43,31,851 |
| 15 | ₹7,45,03,080 | ₹2,11,63,929 |
| 16 | ₹7,94,69,952 | ₹1,77,33,072 |
| 17 | ₹8,44,36,824 | ₹1,40,17,455 |
| 18 | ₹8,94,03,696 | ₹99,93,444 |
| 19 | ₹9,43,70,568 | ₹56,35,441 |
| 20 | ₹9,93,37,440 | ₹9,15,727 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.