SWP Retirement Calculator

The general SWP Calculator just shows how long a corpus lasts under a withdrawal amount. This retirement-focused version adds an explicit check against the 4% safe-withdrawal rate, flagging whether your chosen withdrawal is sustainable or likely to deplete the corpus early.

It compares your entered monthly withdrawal to 4% of your corpus divided over 12 months — a widely used (though not universal) rule-of-thumb benchmark for a withdrawal rate that historically has a good chance of lasting 30 years.

The calculator flags it as potentially unsustainable — it doesn't mean the corpus runs out immediately, but the math shows it depleting faster than the conservative 4% benchmark would suggest is safe.

No, it uses a fixed monthly withdrawal amount throughout. In practice many retirees increase withdrawals with inflation over time, which would deplete a corpus faster than this straight-line estimate.

Enter the expected return on how your corpus is invested during retirement (e.g. a conservative debt-heavy or balanced portfolio) — a higher assumed return extends how long the same withdrawal can be sustained.