SWP Calculator (Withdrawal Plan)
See how long a savings pot lasts when you withdraw a fixed amount every month, while the rest keeps earning. Calculated in your browser.
Estimates only, not investment advice. Actual returns vary, investments are subject to market risks. Assumes a fixed monthly-compounded return and a constant monthly withdrawal. Your inputs never leave your device.
A Systematic Withdrawal Plan (SWP) is where you take a fixed amount out of your savings every month while the rest stays invested and keeps earning. This tool shows how long your money lasts, or how much is left at the end.
How to use
- Enter your starting amount and the fixed amount you'll withdraw each month.
- Add an expected yearly return and how many years you want the plan to run.
- Tap Calculate to see the balance at the end, or when the money runs out.
Frequently asked questions
What does SWP mean?
Systematic Withdrawal Plan, a way to draw a regular monthly income from a lump sum (common in retirement) while the remaining balance keeps earning returns.
What if my withdrawals are too high?
If you withdraw more than the balance can sustain, the tool tells you roughly when the money would run out.
Is my data saved?
No, everything is calculated in your browser and nothing is sent anywhere. This isn't investment advice.