SWP vs inflation
Withdraw every month, raise it each year as prices rise, and see when the money runs out.
Your money lasts 27 years
It runs out around age 82, after 27 years and 1 month of withdrawals.
Shown in future amounts. Turn on Today’s money to adjust for 6% inflation.
Corpus balance
Grows until about age 69, then falls as rising withdrawals overtake returns.
Your ageShow the numbers as a table
| Age | Balance |
|---|---|
| 55 | $1,000,000 |
| 56 | $1,036,797 |
| 57 | $1,073,482 |
| 58 | $1,109,816 |
| 59 | $1,145,522 |
| 60 | $1,180,282 |
| 61 | $1,213,731 |
| 62 | $1,245,450 |
| 63 | $1,274,962 |
| 64 | $1,301,722 |
| 65 | $1,325,115 |
| 66 | $1,344,440 |
| 67 | $1,358,906 |
| 68 | $1,367,621 |
| 69 | $1,369,576 |
| 70 | $1,363,639 |
| 71 | $1,348,534 |
| 72 | $1,322,830 |
| 73 | $1,284,922 |
| 74 | $1,233,013 |
| 75 | $1,165,088 |
| 76 | $1,078,897 |
| 77 | $971,925 |
| 78 | $841,365 |
| 79 | $684,083 |
| 80 | $496,587 |
| 81 | $274,988 |
| 82 | $14,954 |
| 82.1 | $0 |
Year-by-year table28 years
| Year | Age | Yr · age | Monthly withdrawal | Withdrawn that year | Balance at year end |
|---|---|---|---|---|---|
| 1 | 55 | 1 · 55 | $5,000 | $60,000 | $1,036,797 |
| 2 | 56 | 2 · 56 | $5,300 | $63,600 | $1,073,482 |
| 3 | 57 | 3 · 57 | $5,618 | $67,416 | $1,109,816 |
| 4 | 58 | 4 · 58 | $5,955 | $71,461 | $1,145,522 |
| 5 | 59 | 5 · 59 | $6,312 | $75,749 | $1,180,282 |
| 6 | 60 | 6 · 60 | $6,691 | $80,294 | $1,213,731 |
| 7 | 61 | 7 · 61 | $7,093 | $85,111 | $1,245,450 |
| 8 | 62 | 8 · 62 | $7,518 | $90,218 | $1,274,962 |
| 9 | 63 | 9 · 63 | $7,969 | $95,631 | $1,301,722 |
| 10 | 64 | 10 · 64 | $8,447 | $101,369 | $1,325,115 |
| 11 | 65 | 11 · 65 | $8,954 | $107,451 | $1,344,440 |
| 12 | 66 | 12 · 66 | $9,491 | $113,898 | $1,358,906 |
| 13 | 67 | 13 · 67 | $10,061 | $120,732 | $1,367,621 |
| 14 | 68 | 14 · 68 | $10,665 | $127,976 | $1,369,576 |
| 15 | 69 | 15 · 69 | $11,305 | $135,654 | $1,363,639 |
| 16 | 70 | 16 · 70 | $11,983 | $143,793 | $1,348,534 |
| 17 | 71 | 17 · 71 | $12,702 | $152,421 | $1,322,830 |
| 18 | 72 | 18 · 72 | $13,464 | $161,566 | $1,284,922 |
| 19 | 73 | 19 · 73 | $14,272 | $171,260 | $1,233,013 |
| 20 | 74 | 20 · 74 | $15,128 | $181,536 | $1,165,088 |
| 21 | 75 | 21 · 75 | $16,036 | $192,428 | $1,078,897 |
| 22 | 76 | 22 · 76 | $16,998 | $203,974 | $971,925 |
| 23 | 77 | 23 · 77 | $18,018 | $216,212 | $841,365 |
| 24 | 78 | 24 · 78 | $19,099 | $229,185 | $684,083 |
| 25 | 79 | 25 · 79 | $20,245 | $242,936 | $496,587 |
| 26 | 80 | 26 · 80 | $21,459 | $257,512 | $274,988 |
| 27 | 81 | 27 · 81 | $22,747 | $272,963 | $14,954 |
| 28 | 82 | 28 · 82 | $24,112 | $14,954 | Runs out |
How this is calculated
Each month we take out your withdrawal first, then grow what’s left at the monthly version of a 10% yearly return: 0.797% a month.
balance = (balance − withdrawal) × (1 + 0.797%)
every 12 months: withdrawal × (1 + 6%)
When the balance can’t cover a full month, we pay out what’s left and stop. That moment is the run-out date.
Today’s money divides each amount in year n by (1 + 6%) to the power n, so you can compare it with prices now.
Returns are assumed steady. Real markets swing, and a bad few years early on (sequence risk) can make the money run out sooner than shown.
Tax isn’t modelled.