SWP Calculator (2026)

An SWP is the opposite of a savings plan: instead of paying money in, you draw a fixed amount out at regular intervals while the remaining balance stays invested and continues to earn a return. It is a common way to turn a retirement nest egg, an inheritance, or sale proceeds into a steady monthly income.

Each month the calculator credits one month of investment return to your balance, then subtracts your withdrawal. It repeats this until either your horizon is reached (showing the balance left over) or the balance can no longer cover a full withdrawal (showing how long the corpus lasted). Interest is credited before the withdrawal is taken.

A widely cited rule of thumb is the “4% rule” — withdrawing about 4% of your starting corpus per year (roughly 0.33% per month) gives a high chance of the money lasting 30 years for a diversified portfolio. It is only a guideline: longer horizons, lower returns, or rising inflation call for a lower rate. This calculator lets you test any combination directly.

The withdrawal amount you enter is held constant in nominal terms. In reality, you would need to increase withdrawals over time to keep the same purchasing power, which shortens how long the corpus lasts. To stress-test this, re-run the calculator with a higher withdrawal that reflects future costs, or lower the assumed return.

Yes — many Singaporeans combine guaranteed lifelong CPF LIFE payouts with an SWP from private investments to top up their income. Estimate your CPF LIFE payout first, then size the SWP to cover the remaining gap. See the CPF LIFE Payout and Retirement Income calculators for the other half of the plan.