Systematic Withdrawal Plan (SWP) Calculator
💸 SWP Calculator for US & Europe
Turn Investments into Monthly Income — Plan for Early Retirement & Financial Freedom (FIRE)
You’ve saved, you’ve invested, and now you have a solid lump sum. What’s next?
The SWP Calculator (Systematic Withdrawal Plan) helps you turn that one-time investment into a steady, reliable monthly income — perfect for early retirees, FIRE followers, and anyone aiming to live off their investments in the US, UK, Germany, or across Europe.
Let’s answer the real question:
“How much can I safely withdraw each month—without running out of money?”
🔍 Why Use the SWP Calculator?
Whether you’re celebrating hitting your FIRE number or simply planning retirement, this tool helps you:
✅ Estimate monthly income from your investment
✅ Visualize how long your money will last
✅ Generate instant charts, PDF reports, and shareable insights
🔐 Unlocking Financial Independence
Example Scenario:
| Details | Value |
|---|---|
| Initial Investment | $500,000 / €500,000 |
| Monthly Withdrawal | $2,000 / €2,000 |
| Expected Return | 12% annually |
| Duration | ~41 years |
| Total Withdrawn | ~$984,000 / ~€984,000 |
🎯 FIRE Insight: Your money lasts 41 years — nearly double your original investment. Smart investing means your wealth grows even as you withdraw.
📌 Want your money to last forever? Reduce your withdrawal slightly — the calculator shows when your investment becomes sustainable forever (4–5% annual withdrawal).
🛠️ How the SWP Calculator Works
You Enter:
- Total Investment Corpus (e.g., $500,000 / €500,000)
- Monthly Withdrawal Amount (e.g., $2,000 / €2,000)
- Expected Annual Return (e.g., 10–12%)
- Your preferred currency ($, €, £, ₹)
You Get:
- How many years/months your corpus lasts
- Total amount withdrawn over time
- Donut chart showing income, growth & remaining balance
- Annual projection table
📊 Graphic Idea: A donut chart showing
- Withdrawn amount
- Remaining corpus
- Investment growth (reinvested returns)
🔄 Plan Your FIRE Scenarios
Play with numbers and plan your freedom:
| Investment | Withdrawal | Duration |
|---|---|---|
| $300,000 | $1,500/mo | 26 years |
| $500,000 | $2,000/mo | 41 years |
| $500,000 | $1,500/mo | ∞ (Infinite) |
📌 FIRE Tip: If your withdrawal rate is less than your investment return, your portfolio could last forever — that’s financial immortality. 🔥
🚀 Why FIRE Seekers in the US & Europe Love This Tool
🧮 Back-Calculate: Input your dream income → see how much you need to invest
🕵️ Remove the Guesswork: Know exactly how long your corpus will support you
📤 Plan Together: Download results, share via Email or WhatsApp with your advisor or family
Perfect for:
- FIRE movement planners
- Early retirees in the US & Europe
- Parents funding children’s education
- Passive income enthusiasts
📲 How to Use the SWP Calculator
- Visit sipcalculatorfree.com
- Select SWP Calculator
- Enter your:
- Corpus (e.g., $500,000 / €500,000)
- Monthly withdrawal (e.g., $2,000 / €2,000)
- Annual return (e.g., 12%)
- Instantly see:
- How long your investment will last
- Total amount you can withdraw
- Donut chart + yearly table
- Export PDF or share results
🎯 Ready to Withdraw Smartly?
This isn’t just a calculator — it’s your retirement roadmap.
💬 “How long will my money last?”
💬 “What’s a safe monthly withdrawal?”
Get answers in seconds — whether you’re retiring in the USA, Germany, or anywhere across Europe.
📌 Pro Tip: A smart withdrawal strategy is just as important as a smart investment. Use the SWP Calculator to secure your financial freedom today.
👉 Try It Now at sipcalculatorfree.com
👉 Try It Now sipcalculatorfree.in
Make your money last. Live life on your terms. That’s the power of FIRE + SWP.
