You probably have seen many of these tables- and this one was copied directly from a major charity. Problem is, part of it is wrong. Worse yet, it's almost totally deceptive. Look at the comments below the chart.
First thing is this- all the returns are based on an after tax rate of return .
So, anyone using the chart is undoubtedly using it incorrectly and probably to their extreme financial detriment. Sure, because the monthly withdrawal should reflect a budget. As an observation, note how the much lower the years drop when inflation is left to compound over a long period of time. It's just that the inflation does not have that much time to impact the formula and therefore is not as much a concern. This becomes more real life and the actual figures you need to address.