Work out swp withdrawal plan instantly with clear inputs, formula shown and shareable results.
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.
SWP roll-forward
Balance ← Balance(1+r) - withdrawal each month; sustainable while withdrawal ≤ Balance × r
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.
Around 4% of the starting corpus a year is the common rule of thumb for a 30-year horizon, less if markets are expensive.
Poor returns in the early years, while the corpus is largest, do lasting damage that later good years cannot fully repair.