SWR Spending (Asset-based)

Annual spending

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Monthly spending

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Methodology

Annual spending formula: portfolio value x (SWR / 100).
Monthly spending is annual spending / 12.
SWR is a rough planning assumption, not guaranteed sustainability.
Taxes, fees, inflation, and changing spending needs are not modeled.

Author: SimpleReturns Team

Last updated: 2026-02-13

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