Systematic Withdrawal Plan

Finance

Calculate SWP (Systematic Withdrawal Plan) retirement income. Monthly withdrawals from invested corpus at fixed rate.

Formula

Monthly balance updated: New Balance = (Old Balance × (1 + r)) - Withdrawal

$500k corpus, $2k/mo, 7% return

Inputs
  • Initial Corpus ($): 500000
  • Monthly Withdrawal ($): 2000
  • Annual Return Rate (%): 7

~27+ years

Frequently asked questions

How sustainable?
Return rate must exceed withdrawal rate annually. Conservative: 4% withdrawal rule.