See how long ₹50 lakh lasts with a monthly withdrawal. Change any number below.
Value left at the end
| When | Withdrawn | Returns | Balance |
|---|
With ₹50 lakh invested, here's how long the money lasts with a fixed monthly withdrawal, at different expected returns. If the withdrawal is less than what the fund earns, the money doesn't run out at all.
| Each month | Lasts at 8% | Lasts at 10% | Lasts at 12% |
|---|---|---|---|
| ₹20,000 | 30+ yrs | 30+ yrs | 30+ yrs |
| ₹25,000 | 30+ yrs | 30+ yrs | 30+ yrs |
| ₹30,000 | 30+ yrs | 30+ yrs | 30+ yrs |
| ₹40,000 | 22 yrs 6 mo | 30+ yrs | 30+ yrs |
| ₹50,000 | 13 yrs 10 mo | 18 yrs | 30+ yrs |
How long the money lasts at each expected yearly return. 30+ yrs means it hadn't run out after 30 years. Withdrawals at the end of each month, compounded monthly. Estimates, before tax.
A fixed withdrawal buys less every year as prices rise. In the calculator above, set Increase your withdrawal to 5 or 6% a year to keep your spending power steady, and tick Show value in today's money. Rising withdrawals use the money up faster, so check how long it lasts. See the SWP calculator guide for more.
At 8% a year it lasts more than 30 years; at 10% it lasts more than 30 years; at 12% it lasts more than 30 years. Raising the withdrawal every year for inflation makes it run out sooner.
About ₹38,591 a month at 8% a year, or ₹45,435 at 10%, if you're happy for the balance to reach zero after 25 years. For 20 years it's about ₹41,822 at 8%.
Up to about ₹33,333 a month at 8% a year, or ₹41,667 at 10%, because that's roughly what the fund earns. Inflation still reduces what the capital is worth, so many people withdraw less.
No. Mutual fund returns depend on the market and change every year. The rates in the table are assumptions, so treat the results as estimates, before tax and fund charges.