Tools / SWP Calculator
SWP Calculator
See how long a lump sum lasts if you withdraw a fixed amount every month while the rest keeps growing.
Estimated duration
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Total withdrawn
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Assumes a constant return rate — real markets fluctuate, so actual duration will vary.
Frequently asked questions
How is duration calculated?
Month by month: the balance grows at 1/12th of the annual rate, then the withdrawal is subtracted, repeated until the balance runs out or 60 years pass.
What if the withdrawal is smaller than the growth?
Then the corpus can effectively last indefinitely — the calculator caps its estimate at 60 years in that case.