Main assumptions

Projection Mode

Use any currency. Keep all money inputs in the same currency.

Starting corpusMonthly spending needExpected annual return %Annual inflation adjustment %Number of years to projectEmergency reserve to exclude

Guaranteed income layer

Optional income that reduces SWP withdrawals

Guaranteed monthly incomeGuaranteed income start yearGuaranteed income inflation adjustment %

Guaranteed income is optional. It can represent pension, Social Security, rental income, annuity income, or any country-specific retirement benefit. Since every country is different, this calculator treats it as a flexible monthly income layer instead of hard-coding one system.

Results

Your corpus lasts through the projection.

Monthly SWP needed from corpus:

4,000

Starting SWP withdrawal rate4.8%

Total withdrawn from corpus2,283,620

Total guaranteed income received0

Final monthly spending need9,426

Final monthly SWP from corpus9,426

Ending corpus1,193,080

Use your browser’s Save as PDF option after clicking.

Yearly projection

Year	Annual spending need	SWP withdrawn from corpus	Year-end corpus
1	48,000	48,000	1,020,479
2	49,440	49,440	1,040,906
3	50,923	50,923	1,061,232
4	52,451	52,451	1,081,405
5	54,024	54,024	1,101,367
6	55,645	55,645	1,121,054
7	57,315	57,315	1,140,397
8	59,034	59,034	1,159,320
9	60,805	60,805	1,177,740
10	62,629	62,629	1,195,568
11	64,508	64,508	1,212,705
12	66,443	66,443	1,229,046
13	68,437	68,437	1,244,474
14	70,490	70,490	1,258,863
15	72,604	72,604	1,272,078
16	74,782	74,782	1,283,972
17	77,026	77,026	1,294,383
18	79,337	79,337	1,303,138
19	81,717	81,717	1,310,052
20	84,168	84,168	1,314,919
21	86,693	86,693	1,317,523
22	89,294	89,294	1,317,626
23	91,973	91,973	1,314,972
24	94,732	94,732	1,309,285
25	97,574	97,574	1,300,269
26	100,501	100,501	1,287,602
27	103,516	103,516	1,270,937
28	106,622	106,622	1,249,901
29	109,821	109,821	1,224,094
30	113,115	113,115	1,193,080

SWP Calculator

Date generated: Not generated

User inputs

Mode	Will my money last?
Starting corpus	1,000,000
Monthly spending need	4,000
Expected annual return	7%
Annual inflation adjustment	3%
Years to project	30
Emergency reserve	0
Guaranteed monthly income	0
Guaranteed income start year	1
Guaranteed income inflation adjustment	0%

Key results

Monthly SWP needed from corpus	4,000
Starting SWP withdrawal rate	4.8%
Total withdrawn from corpus	2,283,620
Total guaranteed income received	0
Final monthly spending need	9,426
Final monthly SWP from corpus	9,426
Ending corpus	1,193,080

Yearly projection

Year	Annual spending need	SWP withdrawn from corpus	Year-end corpus
1	48,000	48,000	1,020,479
2	49,440	49,440	1,040,906
3	50,923	50,923	1,061,232
4	52,451	52,451	1,081,405
5	54,024	54,024	1,101,367
6	55,645	55,645	1,121,054
7	57,315	57,315	1,140,397
8	59,034	59,034	1,159,320
9	60,805	60,805	1,177,740
10	62,629	62,629	1,195,568
11	64,508	64,508	1,212,705
12	66,443	66,443	1,229,046
13	68,437	68,437	1,244,474
14	70,490	70,490	1,258,863
15	72,604	72,604	1,272,078
16	74,782	74,782	1,283,972
17	77,026	77,026	1,294,383
18	79,337	79,337	1,303,138
19	81,717	81,717	1,310,052
20	84,168	84,168	1,314,919
21	86,693	86,693	1,317,523
22	89,294	89,294	1,317,626
23	91,973	91,973	1,314,972
24	94,732	94,732	1,309,285
25	97,574	97,574	1,300,269
26	100,501	100,501	1,287,602
27	103,516	103,516	1,270,937
28	106,622	106,622	1,249,901
29	109,821	109,821	1,224,094
30	113,115	113,115	1,193,080

This is an educational planning estimate, not financial advice. Actual results may vary.

How to read this calculator

This calculator is not a guarantee. It is a planning tool. Actual returns may be higher or lower. A good SWP plan should keep some cash buffer, reduce withdrawals during bad market years, and avoid depending on one fixed return assumption.

What makes an SWP safer?

Lower withdrawal rate
Diversified portfolio
Emergency cash buffer
Flexibility to reduce spending in bad years
Not assuming the same return every year
Reviewing the plan once or twice a year