SWP Calculator
Project a monthly withdrawal plan balance over time.
Runs in your browser. Nothing is uploaded — your input is processed on this device and discarded when you close the tab.
SWP Calculator
How to use this tool
- Enter the starting balance and the monthly withdrawal.
- Enter the expected annual return rate and the number of months.
- Press Generate to see the projected remaining balance and total withdrawn.
Worked example
Starting from 1000000, withdrawing 10000 per month for 12 months at a 6% annual return (0.5% per month, applied before each withdrawal) leaves 938322.19, after 120000 withdrawn in total.
What this tool does not do / Limits
This is an estimate from the rate you enter, not financial advice and not a guaranteed outcome. Real returns vary month to month, and the tool ignores tax, fees and inflation.
Frequently asked questions
What happens if withdrawals exceed growth?
The balance falls each month and can run out; the projection shows a negative balance in that case.
Is the return applied before or after withdrawal?
In this model, monthly growth is applied first, then the withdrawal is taken.
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