Retirement Safe Withdrawal Rate Calculator
Calculate sustainable annual withdrawal amounts from your retirement portfolio to avoid running out of money.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Annual Withdrawal = Portfolio × Rate%; simulate balance over retirement years
The 4% withdrawal rate has historically sustained portfolios for 30+ years based on the Trinity Study.
Frequently Asked Questions
Is the 4% rule still safe?
With today's valuations, some experts suggest 3-3.5% for 40+ year retirements. 4% remains solid for 30-year periods.