| Year | Total Withdrawn | Interest Added | Ending Balance |
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Simulate retirement cash flow with our free SWP Calculator. Estimate your systematic withdrawal remaining balances, total payout amounts, and compounding interest accruals with 100% offline privacy.
Input your lump-sum starting portfolio balance and targeted monthly withdrawal amount.
Configure the expected annual return rate percentage and withdrawal period in years and months.
Instantly view estimated final capital, total cash withdrawn, and year-by-year ending balance schedule.
Your financial figures are processed entirely inside your browser using client-side JavaScript. Nothing ever travels over a network to any server — making BunchTool 100% private.
Calculations run locally in real time as you adjust lump-sum capital, monthly withdrawals, or return rates. Results update dynamically without delays.
Uses precise monthly iterative balance loops that correctly deduct systematic withdrawals and add compound interest to track depleting capital patterns.
Systematic Withdrawal Plan (SWP) is a financial facility that allows investors to withdraw a fixed amount of money from an existing mutual fund portfolio on a predetermined monthly basis, while the remaining balance continues earning compound interest.
The decumulation equations are:
\(\text{End-of-Month: } B_m = (B_{m-1} + \text{Interest}) - W, \quad \text{Interest} = B_{m-1} \times \left(\frac{\text{Rate}}{12 \times 100}\right)\)
\(\text{Beginning-of-Month: } B_m = (B_{m-1} - W) + \left[ (B_{m-1} - W) \times \left(\frac{\text{Rate}}{12 \times 100}\right) \right]\)
Where \(W\) = Monthly withdrawal amount.
Sustainable Withdrawal Rates (SWR): If your annual withdrawal percentage is lower than your portfolio's annual compound yield, your capital balance will grow perpetually. If your withdrawal rate exceeds the return rate, the principal will deplete over time.