How is the projection calculated?

The expected annual return is converted to a monthly return, growth is applied each month, and then the monthly withdrawal is deducted.

Does this include taxes, fees, or market volatility?

No. The projection is deterministic and excludes taxes, fees, exit loads, inflation, and market volatility.

Tools

SWP Calculator

Project a systematic withdrawal plan using plain-number inputs, monthly withdrawals, expected annual return, and annual withdrawal increases.

Corpus lasts

Full 25y

Projected balance remains through the selected duration.

Ending corpus

2,303,520

Monthly return: 0.64%.

Total withdrawn

1,500,000

Initial withdrawal rate: 6% per year.

Fixed monthly drawdown

7,534

Estimated withdrawal that reaches zero at the selected duration.

Corpus projection

Balance after monthly growth and withdrawal.

Max 2,303,520

Start12y 6m25y

Yearly breakdown

Year 1

Closing 1,017,831

Opening: 1,000,000
Withdrawn: 60,000
Growth: 77,831
Closing: 1,017,831

Year 2

Closing 1,037,088

Opening: 1,017,831
Withdrawn: 60,000
Growth: 79,257
Closing: 1,037,088

Year 3

Closing 1,057,885

Opening: 1,037,088
Withdrawn: 60,000
Growth: 80,798
Closing: 1,057,885

Year 4

Closing 1,080,347

Opening: 1,057,885
Withdrawn: 60,000
Growth: 82,461
Closing: 1,080,347

Year 5

Closing 1,104,605

Opening: 1,080,347
Withdrawn: 60,000
Growth: 84,258
Closing: 1,104,605

Year 6

Closing 1,130,804

Opening: 1,104,605
Withdrawn: 60,000
Growth: 86,199
Closing: 1,130,804

Year 7

Closing 1,159,099

Opening: 1,130,804
Withdrawn: 60,000
Growth: 88,295
Closing: 1,159,099

Year 8

Closing 1,189,657

Opening: 1,159,099
Withdrawn: 60,000
Growth: 90,558
Closing: 1,189,657

Year 9

Closing 1,222,660

Opening: 1,189,657
Withdrawn: 60,000
Growth: 93,003
Closing: 1,222,660

Year 10

Closing 1,258,304

Opening: 1,222,660
Withdrawn: 60,000
Growth: 95,643
Closing: 1,258,304

Year 11

Closing 1,296,798

Opening: 1,258,304
Withdrawn: 60,000
Growth: 98,495
Closing: 1,296,798

Year 12

Closing 1,338,373

Opening: 1,296,798
Withdrawn: 60,000
Growth: 101,574
Closing: 1,338,373

Year 13

Closing 1,383,273

Opening: 1,338,373
Withdrawn: 60,000
Growth: 104,900
Closing: 1,383,273

Year 14

Closing 1,431,766

Opening: 1,383,273
Withdrawn: 60,000
Growth: 108,492
Closing: 1,431,766

Year 15

Closing 1,484,138

Opening: 1,431,766
Withdrawn: 60,000
Growth: 112,372
Closing: 1,484,138

Year 16

Closing 1,540,699

Opening: 1,484,138
Withdrawn: 60,000
Growth: 116,562
Closing: 1,540,699

Year 17

Closing 1,601,786

Opening: 1,540,699
Withdrawn: 60,000
Growth: 121,087
Closing: 1,601,786

Year 18

Closing 1,667,759

Opening: 1,601,786
Withdrawn: 60,000
Growth: 125,973
Closing: 1,667,759

Year 19

Closing 1,739,010

Opening: 1,667,759
Withdrawn: 60,000
Growth: 131,251
Closing: 1,739,010

Year 20

Closing 1,815,962

Opening: 1,739,010
Withdrawn: 60,000
Growth: 136,951
Closing: 1,815,962

Year 21

Closing 1,899,069

Opening: 1,815,962
Withdrawn: 60,000
Growth: 143,108
Closing: 1,899,069

Year 22

Closing 1,988,825

Opening: 1,899,069
Withdrawn: 60,000
Growth: 149,756
Closing: 1,988,825

Year 23

Closing 2,085,762

Opening: 1,988,825
Withdrawn: 60,000
Growth: 156,937
Closing: 2,085,762

Year 24

Closing 2,190,454

Opening: 2,085,762
Withdrawn: 60,000
Growth: 164,692
Closing: 2,190,454

Year 25

Closing 2,303,520

Opening: 2,190,454
Withdrawn: 60,000
Growth: 173,067
Closing: 2,303,520

Year	Opening	Withdrawn	Growth	Closing
1	1,000,000	60,000	77,831	1,017,831
2	1,017,831	60,000	79,257	1,037,088
3	1,037,088	60,000	80,798	1,057,885
4	1,057,885	60,000	82,461	1,080,347
5	1,080,347	60,000	84,258	1,104,605
6	1,104,605	60,000	86,199	1,130,804
7	1,130,804	60,000	88,295	1,159,099
8	1,159,099	60,000	90,558	1,189,657
9	1,189,657	60,000	93,003	1,222,660
10	1,222,660	60,000	95,643	1,258,304
11	1,258,304	60,000	98,495	1,296,798
12	1,296,798	60,000	101,574	1,338,373
13	1,338,373	60,000	104,900	1,383,273
14	1,383,273	60,000	108,492	1,431,766
15	1,431,766	60,000	112,372	1,484,138
16	1,484,138	60,000	116,562	1,540,699
17	1,540,699	60,000	121,087	1,601,786
18	1,601,786	60,000	125,973	1,667,759
19	1,667,759	60,000	131,251	1,739,010
20	1,739,010	60,000	136,951	1,815,962
21	1,815,962	60,000	143,108	1,899,069
22	1,899,069	60,000	149,756	1,988,825
23	1,988,825	60,000	156,937	2,085,762
24	2,085,762	60,000	164,692	2,190,454
25	2,190,454	60,000	173,067	2,303,520

Frequently asked questions

No. The calculator treats every amount as a plain number, so the same inputs can represent any currency or unit.