Safe Withdrawal Rate Calculator
How much can you withdraw each year in retirement without running out?
What is this? The "4% rule" says you can withdraw 4% of your portfolio in year one of retirement, then adjust for inflation each year, with a high probability of not running out over 30 years. This calculator lets you test different withdrawal rates, portfolio returns, and inflation scenarios to see how long your money will last.
The key insight: A lower withdrawal rate dramatically increases the probability your portfolio survives 30 years. At 3% withdrawal, almost any diversified portfolio survives. At 5%, even the stock market faces real risk of depletion.
Who it's for: People approaching or in retirement, FIRE enthusiasts planning early retirement, or anyone curious how long their savings will sustain them.
Monte Carlo simulation based on historical market returns. Not financial advice. Consult a fee-only fiduciary financial advisor.