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SWP Withdrawal Plan Calculator

Work out swp withdrawal plan instantly with clear inputs, formula shown and shareable results.

About SWP Withdrawal Plan Calculator

A systematic withdrawal plan takes a fixed monthly amount from an invested corpus. If the withdrawal stays below the growth the corpus earns, the balance keeps rising; above it the fund runs down at an accelerating pace.

Formula

SWP roll-forward

Balance ← Balance(1+r) - withdrawal each month; sustainable while withdrawal ≤ Balance × r

Worked example

With the default values below, SWP Withdrawal Plan Calculator returns Balance At The End of $10,009,151.52. Change any input above and every figure here is recalculated in your browser.

Inputs used

Starting Corpusminimum 0
5,000,000
Monthly Withdrawalminimum 0
30,000
Expected Annual Returnaccepts 0–100 %
9 %
Withdrawal Period In Yearsaccepts 1–50
20

Results

Balance At The End
$10,009,151.52
Total Withdrawn
$7,200,000.00
Months The Corpus Lasts
240.0
Sustainability
Sustainable — withdrawals stay within growth

Step by step

  1. 1Values used
  2. 2SWP roll-forward
  3. 3Balance At The End= 10,009,151.52
  4. 4Total Withdrawn= 7,200,000.00
  5. 5Months The Corpus Lasts= 240.0
  6. 6Sustainability= Sustainable — withdrawals stay within growth

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

What withdrawal rate is safe?

Around 4% of the starting corpus a year is the common rule of thumb for a 30-year horizon, less if markets are expensive.

Why does sequence of returns matter?

Poor returns in the early years, while the corpus is largest, do lasting damage that later good years cannot fully repair.

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