How long will ₹10 Lakh last with ₹10,000 monthly withdrawal?

At an 8% annual return, a ₹10 Lakh corpus with ₹10,000 withdrawn every month lasts about 13 years and 10 months. The remaining balance keeps earning returns, so the corpus depletes slower than simple division suggests.

How much can I safely withdraw every month from ₹10 Lakh?

A perpetual (never-depleting) withdrawal from ₹10 Lakh at 8% works out to roughly ₹6,667 per month, since that equals the monthly return earned by the corpus.

Is SWP from ₹10 Lakh taxable?

Each SWP withdrawal is treated as a partial redemption. Only the capital gains portion is taxed — equity funds at 12.5% long-term above the ₹1.25 lakh annual exemption, and debt funds at your income-tax slab rate.

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Finance · Retirement Income

SWP Calculator: ₹10 Lakh Corpus with ₹10,000/Month Withdrawal

How long a ₹10 Lakh corpus lasts when you withdraw ₹10,000 every month at 8% expected return.

💸 Enter your corpus → See exactly how many years your money lasts at your withdrawal rate

Systematic Withdrawal Plan: Withdraw a fixed amount monthly while the remaining corpus keeps earning returns.

Your SWP plan

Adjust any value — results update instantly.

Total investment / corpus

₹10,00,000

Monthly withdrawal

₹10,000

Expected annual return

Withdrawal period

20 years

yrs

Your withdrawal plan

Real-time as you type.

Corpus will last

13y 10m

at ₹10,000/month withdrawal

Total withdrawn

₹16,53,413

Returns earned

₹6,53,413

Remaining corpus

₹0

Sustainable withdrawal

To never deplete your corpus, withdraw up to ₹6,667/month. At this rate, monthly returns cover the withdrawal indefinitely.

⚠️ Corpus depletes early

At ₹10,000/month, your corpus will be exhausted in 13 years 10 months. Reduce monthly withdrawal to ₹8,364 for 20-year sustainability.

Corpus depletion

How your corpus changes year by year at ₹10,000/month.

Year-by-year breakdown

Opening balance, total withdrawn, returns earned, and closing balance each year.

Year	Opening	Withdrawn	Returns	Closing
1	₹10,00,000	₹1,20,000	₹78,500	₹9,58,500
2	₹9,58,500	₹1,20,000	₹75,056	₹9,13,556
3	₹9,13,556	₹1,20,000	₹71,325	₹8,64,881
4	₹8,64,881	₹1,20,000	₹67,285	₹8,12,167
5	₹8,12,167	₹1,20,000	₹62,910	₹7,55,077
6	₹7,55,077	₹1,20,000	₹58,172	₹6,93,249
7	₹6,93,249	₹1,20,000	₹53,040	₹6,26,289
8	₹6,26,289	₹1,20,000	₹47,482	₹5,53,771
9	₹5,53,771	₹1,20,000	₹41,463	₹4,75,235
10	₹4,75,235	₹1,20,000	₹34,945	₹3,90,180
11	₹3,90,180	₹1,20,000	₹27,885	₹2,98,065
12	₹2,98,065	₹1,20,000	₹20,240	₹1,98,305
13	₹1,98,305	₹1,20,000	₹11,960	₹90,265
14	₹90,265	₹93,413	₹3,148	Depleted