Professional SWP Calculator
Plan sustainable withdrawals from your investment portfolio
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Key Insights
Your current withdrawal rate is 6.0% which exceeds the recommended 4% rule for sustainable retirement income. Consider reducing withdrawals to preserve your portfolio.
Your portfolio is projected to last 22 years. For retirement planning, consider extending this to 30+ years.
Understanding SWP
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount or percentage from your investment portfolio at regular intervals. This is commonly used for retirement income.
Best Practices
- Start with 3-4% withdrawal rate for long-term sustainability
- Adjust for inflation annually to maintain purchasing power
- Rebalance portfolio annually to maintain target allocation
- Consider flexible withdrawal strategies in volatile markets
SWP Results
Sensitivity Analysis
| Scenario | Annual Return | Portfolio Longevity | Ending Balance |
|---|---|---|---|
| Pessimistic | 3% | 16 years | $0 |
| Base Case | 6% | 22 years | $142,300 |
| Optimistic | 9% | 35+ years | $1,024,500 |
Your portfolio of $500,000 withdrawing $2,500/month at 6.0% annual return will last approximately 22 years.
With inflation adjustment at 2.5%, your purchasing power in the final year will be equivalent to $58,200 in today's dollars.
Your initial withdrawal rate is 6.0%, which exceeds the 4% rule. Consider reducing withdrawals to $1,666/month to achieve a 4% withdrawal rate for greater longevity.