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SWR to calculate portfolio balance after each month?

1 Posts
1 Users
Posts: 1
Topic starter
New Member
Joined: 2 years ago

Out of curiosity, i decided to test this tool by looking at portfolio balance at the end of each month.

For simplicity,

100% cash, 

0% inflation, 

0% growth on cash 

Final Value target=0%

Let's say portfolio is 120k and i want to deplete this to zero in 120 months (10 yrs)

I am thinking my SWR = $1k/month

But the calculator shows 4.46% with a safe withdraw of $446/m and at end of 120m i have $66,524 left (i was expecting this to be 0)

The portfolio balance at the end of every month = (previous month balance-$446)

What may i be doing wrong?

thanks for any feedback