Safe Withdrawal Rate Calculator

Calculate how much you can safely withdraw from your retirement portfolio each year without running out of money.

Free • Accurate • Instant Results

Safe Withdrawal Rate Inputs

Portfolio Value

Withdrawal Rate

Retirement Duration

Years

Annual Withdrawal

🏧

$40,000

Monthly Withdrawal

📅

$3,333

Portfolio Value

💰

$1,000,000

Duration

⏱️

30 years

🤖

AI Insights

Personalized analysis based on your inputs

✅

Conservative & Sustainable

A 4% withdrawal rate has historically had a high success rate over 30-year periods (based on the Trinity Study).

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Formula Used

Safe Withdrawal Amount

Annual Withdrawal = Portfolio × SWR%

Variables

SWR= Safe withdrawal rate, often 3-4.5%

Example

$1,000,000 at 4% = $40,000/year sustainable withdrawal

Frequently Asked Questions

The Trinity Study (1998) found a 4% initial withdrawal, adjusted for inflation annually, succeeded in ~95% of historical 30-year periods with a 50-75% stock allocation.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on inputs you provide. They are not financial, tax, investment, or legal advice. Consult a qualified financial professional before making financial decisions. Actual results may vary based on market conditions, tax laws, and individual circumstances.