SWP Calculator

Estimate whether your corpus can support monthly withdrawals across your chosen horizon and how much capital remains at the end.

Retirement cash flow. Withdrawal sustainability.

The invested amount from which withdrawals begin.

The fixed monthly amount you plan to withdraw.

How long the withdrawals need to continue.

0%8% p.a.15%

Assumes returns compound monthly before each month's withdrawal.

Calculation Assumptions

Results can differ across apps when compounding or contribution timing assumptions change.

  • Each month applies return first and then withdrawal is deducted.
  • Annual return is converted to a monthly rate as annualRate / 12.
  • If balance reaches zero, depletion is reported and future withdrawals stop.