Safe Withdrawal Rate Calculator
Portfolio Value ($)
Withdrawal Rate (%)
The 4% rule states you can withdraw 4% of your portfolio in year one, adjusted for inflation annually, with very low risk of running out over a 30-year retirement.
- 1Annual withdrawal = Portfolio × withdrawal rate
- 2$1M at 4% = $40,000/year
- 3Based on US historical data 1926–1994
- 43–3.5% recommended for 40+ year retirements
$800k portfolio, 4% rate=$32,000/year ($2,667/month)
| Annual income | 3.5% rate | 4% rate |
|---|---|---|
| $30k | $857k | $750k |
| $40k | $1,143k | $1,000k |
| $60k | $1,714k | $1,500k |
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