Safe Withdrawal Rate - Sweep SWR/Years

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The Purpose (Why?)

To visualize the probability of portfolio survival across a wide range of withdrawal rates and retirement durations simultaneously. It helps you identify a "safe" rate for your specific time horizon and risk tolerance. (Note: Simulations use inflation-adjusted "Real Dollars")

How it Works

Input your expected portfolio Real Return (inflation-adjusted) and Standard Deviation (volatility). The calculator runs fixed simulations (e.g. 200 runs) for various combinations of SWR and years.

Foundational Research

Read the core research article to understand SWR:

ALGORITHMIC_NOTE: REAL_DOLLARS

Simulations use "Real Dollars" (inflation-adjusted). This means a 0% return maintains purchasing power, while positive returns approximate growth above inflation.

Input Specifications

PARAMETER DETAILS
Real Return (%)
Projected annual return adjusted for inflation.
EXAMPLE: 5.8 (Targeting 50/50 Portfolio)
Standard Deviation (%)
Projected annual volatility of the portfolio.
EXAMPLE: 6.1
Benchmark Values
  • 50/50 Portfolio (Stocks/Bonds)
    R: 5.8% | σ: 6.1%
  • 100% Stocks (S&P 500)
    R: 7.0% | σ: 17.0%
Example Visualizations
Example Visualization
Interactive Calculator

Ready to analyze your own portfolio numbers?

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Example Output

View an interactive sample report generated by this simulation engine.

View Sample Simulation Result