How to interpret an SWP projection
A systematic withdrawal plan takes regular withdrawals from an invested balance. Sustainability depends on the starting corpus, withdrawal size and timing, actual returns, market volatility, taxes and charges. A steady-return model cannot reproduce the sequence of real returns.
Test lower-return scenarios and consider how inflation may increase future spending needs.
Important limitations
A steady-return model cannot capture real market volatility, taxes, fees or sequence-of-returns risk. It cannot guarantee that a corpus will last.
Frequently asked questions
Are the results guaranteed?
No. They are estimates based on the values entered and the assumptions described above. Actual outcomes may differ.
Does this include every fee and tax?
No. Review the explanation for this calculator and verify product-specific costs, tax treatment and current rules separately.
What should I do next?
Compare more than one scenario, confirm the inputs and check important figures with the relevant institution or official source before making a financial decision.
For educational and planning purposes only. Not financial, investment or tax advice. Verify current rates, terms and rules before acting.