How much corpus for ₹25,000 a month for 30 years?
You want ₹25,000 a month from a systematic withdrawal plan (SWP) for 30 years. Here is the corpus that pays it, worked out at three return assumptions, with and without a yearly increase for inflation.
Corpus needed for ₹25,000 a month, raised 6% each year (at 8%)
₹64.25 lakh, or ₹34.07 lakh if the payment never increases
- Monthly withdrawal in year 30
- ₹1,35,460
- Total you take out
- ₹2,37,17,456
- First-year withdrawal rate
- 4.7%
- SIP to build it in 25 years
- ₹1,503 a month
Corpus at the end of each year, at 8% a year. The rising plan raises its withdrawal 6% a year. SIP figure: 12% return, raised 10% a year.
| Corpus needed, if returns are | 7% | 8% | 10% |
|---|---|---|---|
| ₹25,000 every month | ₹37,57,689 | ₹34,07,087 | ₹28,48,770 |
| ₹25,000 to start, raised 6% a year | ₹73,70,169 | ₹64,25,325 | ₹49,91,538 |
Reading this honestly
These figures assume the same return every month. Markets do not work that way. A fall in the first few years of withdrawals does far more damage than the same fall later, because you are selling units at low prices to pay yourself. Many retirees keep two to three years of withdrawals in a liquid or short-term debt fund, so they never have to sell equity at a low point.
The 8% column is a common assumption for a balanced portfolio. The 7% column is closer to what a debt-heavy portfolio or fixed deposits might earn. If your plan still works in that column, you have a margin of safety.
Tax: each SWP payment is a partial redemption, so only the gain portion of each payment is taxed, at equity or debt fund rates. The figures here are before tax and fund expenses.
Want to try your own numbers? The SWP calculator lets you change every assumption, and the FIRE calculator works out the corpus from your current expenses.
Questions people ask
How much corpus do I need for ₹25,000 a month for 30 years?
At an 8% return, about ₹64.25 lakh if you raise the payment 6% a year to keep up with inflation, or ₹34.07 lakh if it stays at ₹25,000 throughout. At 7%, the figures are ₹73.7 lakh rising or ₹37.58 lakh flat.
Is this ₹25,000 in today's money?
No. These figures are in rupees at the time you start withdrawing. If you start in 20 years and want what ₹25,000 buys today, at 6% inflation you would need about ₹80,178 a month by then, and a corpus about 3.2 times as large.
How much SIP builds a corpus of ₹64.25 lakh?
Over 25 years at an assumed 12% return, about ₹1,503 a month to start, raised 10% every year. The SIP calculator lets you try other periods and returns.
Related plans
₹25,000 a month for 20 years, ₹25,000 a month for 25 years, ₹50,000 a month for 30 years, ₹75,000 a month for 30 years, ₹1 lakh a month for 30 years, ₹2 lakh a month for 30 years. Or start from the corpus you have: all SWP plans.
Assumes the corpus earns a steady return compounded monthly, with each withdrawal taken at the end of the month and raised once a year. Before tax and fund expenses. For education only, not investment advice.