Preparing tool
How to use SWP Calculator
- Enter the starting amount and the monthly withdrawal.
- Set the expected yearly return, how much to raise the withdrawal each year for inflation, and the years to plan for.
- See how long the money lasts (or what is left), the largest safe starting withdrawal for that period, and the yearly table.
What are the limits of SWP Calculator?
Assumes a steady return; real markets rise and fall, and losses early on shorten how long the money lasts. Tax on withdrawals and capital gains is not included. Not financial advice.