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SWP Calculator (Systematic Withdrawal Plan)

Simulate a lump sum month by month while a fixed withdrawal comes out of it: final balance, total withdrawn, total growth, the month the corpus runs out and a year-by-year table, with an optional annual step-up.

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SWP Calculator (Systematic Withdrawal Plan) is free to use as often as you like, directly from this page. It sits under Investing & markets in our catalogue, alongside Retirement withdrawal calculator (4% rule) and Capital Gains Yield Calculator.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What does SWP Calculator (Systematic Withdrawal Plan) do?

Simulate a lump sum month by month while a fixed withdrawal comes out of it: final balance, total withdrawn, total growth, the month the corpus runs out and a year-by-year table, with an optional annual step-up.

When would I actually use this?

Comparing two investments that pay at different times, deciding whether a project clears its cost of capital, and sanity-checking a valuation someone else produced.

What is the most common mistake?

Trusting a valuation without asking what share of it comes from the terminal value. Past 70%, the answer is an assumption about the distant future dressed up as a calculation.

How is SWP Calculator (Systematic Withdrawal Plan) different from Retirement withdrawal calculator (4% rule)?

They sit next to each other but answer different questions. Retirement withdrawal calculator (4% rule): estimate the yearly and monthly income your retirement savings can provide. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Capital Gains Yield Calculator is the closest one after this: Compute the capital gains yield from the purchase and current price, with dividend yield, total return and the annualised equivalent.

What else is worth having open alongside it?

Currency converter and Dividend Payout Ratio Calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

Discounting, IRR and payback are defined identically everywhere, so the arithmetic is not in dispute — the assumptions you feed it are. Change the discount rate by a point and re-read the answer.

Further reading

All guides →
ExplainerThe 4 Percent Rule: What It Actually ClaimsSpending $40,000 a year needs $1,000,000 at 4 percent and $1,333,333 at 3 percent. Where the number came from, what it measured, and the four objections that matter.ExplainerPrice Return, Total Return and Yield Are Three Different NumbersThe index quoted in the news is almost always a price index. At 5 percent price growth and a 2.5 percent reinvested yield, 30 years turn $10,000 into $43,219 on price and $90,656 on total return — the price measure misses 58.8 percent of the gain.ExplainerDividend Reinvestment: What Actually Drives the DifferenceReinvesting a 3 percent yield for 30 years turns 100 shares into 242.7 and multiplies the final position by exactly that factor: $32,434 becomes $78,726. Tax at 30 percent on each dividend costs $18,223 of it — nearly two and a half times the tax actually paid.ExplainerTax-Equivalent Yield: Comparing a Tax-Free Bond With a Taxable OneTaxable-equivalent yield = tax-free yield ÷ (1 − marginal rate). A 3.00 percent tax-free yield is worth 3.85 percent at a 22 percent marginal rate and 5.07 percent at 40.8 percent. The trap is that it is the marginal rate, surtaxes and social levies included — leaving them out costs 0.85 points of yield.ComparisonLife Assurance or a Pension Plan: the Lock-Up Decides, Not the Tax BreakScore both wrappers on the same rows and the pension plan wins the arithmetic at almost every horizon and almost every combination of tax rates — including when the rate does not fall at all. Which is exactly why the deduction is the wrong thing to decide on.ExplainerThe Three Brackets That Set Your Social Security CheckThe benefit is 90 percent of the first slice of your indexed career average, 32 percent of the next and 15 percent of the rest — 1,286 and 7,749 dollars are the 2026 bend points. Then age adjusts it: claiming at 62 with a full retirement age of 67 cuts it 30 percent, waiting to 70 adds 24.