SWP Calculator
Plan your Systematic Withdrawal Plan (SWP) by calculating how regular withdrawals affect your investment. Enter your initial investment, monthly withdrawal amount, expected return rate, and time period to see remaining balance and whether your portfolio lasts the full term.
SWP Calculator
FAQ
What is a Systematic Withdrawal Plan (SWP)?
An SWP allows you to withdraw a fixed amount regularly from your investment while the remaining balance continues to earn returns. It is commonly used by retirees to generate a steady income stream from their portfolio.
How do I know if my withdrawal rate is sustainable?
If the calculator shows your portfolio lasts the full term with a positive remaining balance, your withdrawal rate is sustainable. The 4% rule suggests withdrawing 4% annually (adjusted for inflation) as a safe starting point for a 30-year retirement.
What happens if my portfolio gets depleted early?
The calculator will show the exact month when depletion occurs. If this happens before your target period, consider reducing your monthly withdrawal, increasing the initial investment, or aiming for a higher return rate.