Safe Withdrawal Rate Calculator
Find out how long your portfolio will last and whether your withdrawal rate is sustainable.
Results are in today's dollars.
Your Withdrawal Rate4.00%
Portfolio Lasts100+ years
Safe - historically sustainable over 30+ years
How it works
The 4% rule comes from the Trinity Study, which found that a 4% withdrawal rate survived 95%+ of 30-year retirement periods historically.
This calculator assumes the same return every single year. Markets do not work that way, and a bad run of returns in the first years of retirement can drain a portfolio that looks safe here.