₹50 lakh earning about 8% a year can pay you ₹33,112 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| Year | Total withdrawn | Money left |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 | ₹4,96,680 | ₹48,96,260 |
| 2 | ₹9,93,360 | ₹47,83,909 |
| 3 | ₹14,90,040 | ₹46,62,233 |
| 4 | ₹19,86,720 | ₹45,30,459 |
| 5 | ₹24,83,400 | ₹43,87,747 |
| 6 | ₹29,80,080 | ₹42,33,190 |
| 7 | ₹34,76,760 | ₹40,65,805 |
| 8 | ₹39,73,440 | ₹38,84,527 |
| 9 | ₹44,70,120 | ₹36,88,203 |
| 10 | ₹49,66,800 | ₹34,75,584 |
| 11 | ₹54,63,480 | ₹32,45,318 |
| 12 | ₹59,60,160 | ₹29,95,940 |
| 13 | ₹64,56,840 | ₹27,25,864 |
| 14 | ₹69,53,520 | ₹24,33,371 |
| 15 | ₹74,50,200 | ₹21,16,602 |
| 16 | ₹79,46,880 | ₹17,73,541 |
| 17 | ₹84,43,560 | ₹14,02,006 |
| 18 | ₹89,40,240 | ₹9,99,634 |
| 19 | ₹94,36,920 | ₹5,63,866 |
| 20 | ₹99,33,600 | ₹91,928 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.