₹75 lakh earning about 8% a year can pay you ₹49,668 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| Year | Total withdrawn | Money left |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 | ₹7,45,020 | ₹73,44,390 |
| 2 | ₹14,90,040 | ₹71,75,864 |
| 3 | ₹22,35,060 | ₹69,93,350 |
| 4 | ₹29,80,080 | ₹67,95,688 |
| 5 | ₹37,25,100 | ₹65,81,620 |
| 6 | ₹44,70,120 | ₹63,49,785 |
| 7 | ₹52,15,140 | ₹60,98,707 |
| 8 | ₹59,60,160 | ₹58,26,790 |
| 9 | ₹67,05,180 | ₹55,32,304 |
| 10 | ₹74,50,200 | ₹52,13,376 |
| 11 | ₹81,95,220 | ₹48,67,977 |
| 12 | ₹89,40,240 | ₹44,93,910 |
| 13 | ₹96,85,260 | ₹40,88,795 |
| 14 | ₹1,04,30,280 | ₹36,50,057 |
| 15 | ₹1,11,75,300 | ₹31,74,903 |
| 16 | ₹1,19,20,320 | ₹26,60,312 |
| 17 | ₹1,26,65,340 | ₹21,03,009 |
| 18 | ₹1,34,10,360 | ₹14,99,451 |
| 19 | ₹1,41,55,380 | ₹8,45,799 |
| 20 | ₹1,49,00,400 | ₹1,37,893 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.