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How could your investment support regular withdrawals?

Project regular mutual-fund withdrawals, the money remaining and any withdrawal shortfall under an assumed return.

A Systematic Withdrawal Plan (SWP) sells mutual-fund units regularly. Withdrawals can use up your original investment, not just its growth. Actual returns vary and their order matters.

SWP withdrawal calculator inputs

Use the same currency throughout. Enter numbers without commas or currency symbols, for example 1000.50. Amounts allow two decimal places; rates allow six.

Your withdrawal plan

The fund value available before withdrawals begin.
Taken at month end after growth. A final withdrawal may be smaller if money runs out.

Your starting point

An effective annual return before the fees shown here. This is an assumption, not a forecast; returns can be negative.
Use a whole number from 1 to 600. For 5 years, enter 60.

Calculate once. After that, valid edits update your result automatically.

Understand this estimate

A Systematic Withdrawal Plan (SWP) sells mutual-fund units regularly. Withdrawals can use up your original investment, not just its growth. Actual returns vary and their order matters.

Worked example

At 0%, withdrawing 300 each month from 1000 gives 300, 300, 300, then only 100 in month 4. Nothing remains for months 5–6; the total shortfall against planned withdrawals is 800.

How we calculate this

The assumed return is effective per year. The monthly growth factor is (1 + yearly return / 100) raised to 1/12.

Each month earns growth on its starting balance, then pays any modelled fees, then receives contributions or makes withdrawals at month end.

Projections retain fractional cents internally and round only for display. Displayed rows can differ by a cent when added. Amounts above 10000000000000 are unsupported. Actual returns vary; tax, inflation and product rules are excluded unless explicitly entered.

SWP stands for Systematic Withdrawal Plan. We apply growth then cap each withdrawal at the available fund value. A zero balance stays zero for the remaining horizon.

We report both the first shortfall and depletion. A steady-return projection does not model the order of market gains and losses, unit dealing, tax or exit loads. A balance remaining at the horizon does not mean it will last forever.

Sources explain the underlying concepts; this calculator uses the conventions described above. It does not recommend a financial product.

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