SWP Calculator
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your investment portfolio at regular intervals. This calculator shows how long your portfolio will last, accounting for expected returns and inflation-adjusted withdrawals.
SWP Calculator — Systematic Withdrawal Plan
Free Systematic Withdrawal Plan (SWP) calculator. Calculate how long your portfolio lasts with regular withdrawals adjusted for inflation.
Portfolio Lasts20 yr 0 mo
Final Balance$977,498
Total Withdrawn$653,709
Total Returns$1,131,207
Portfolio Balance Over Time
Year-by-Year Breakdown
| Year | Starting Balance | Withdrawals | Returns | Ending Balance |
|---|---|---|---|---|
| 1 | $500,000 | $24,328 | $40,593 | $516,264 |
| 2 | $516,264 | $25,058 | $41,915 | $533,121 |
| 3 | $533,121 | $25,810 | $43,286 | $550,598 |
| 4 | $550,598 | $26,584 | $44,708 | $568,722 |
| 5 | $568,722 | $27,382 | $46,183 | $587,523 |
| 6 | $587,523 | $28,203 | $47,712 | $607,032 |
| 7 | $607,032 | $29,049 | $49,300 | $627,283 |
| 8 | $627,283 | $29,921 | $50,948 | $648,311 |
| 9 | $648,311 | $30,818 | $52,660 | $670,152 |
| 10 | $670,152 | $31,743 | $54,439 | $692,848 |
| 11 | $692,848 | $32,695 | $56,287 | $716,440 |
| 12 | $716,440 | $33,676 | $58,208 | $740,972 |
| 13 | $740,972 | $34,686 | $60,207 | $766,493 |
| 14 | $766,493 | $35,727 | $62,286 | $793,052 |
| 15 | $793,052 | $36,799 | $64,451 | $820,704 |
| 16 | $820,704 | $37,903 | $66,705 | $849,506 |
| 17 | $849,506 | $39,040 | $69,053 | $879,519 |
| 18 | $879,519 | $40,211 | $71,500 | $910,808 |
| 19 | $910,808 | $41,417 | $74,052 | $943,443 |
| 20 | $943,443 | $42,660 | $76,714 | $977,498 |