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Retirement Withdrawal Calculator (4% Rule)

Calculate how much you can safely withdraw annually in retirement using the 4% rule.

Also try:👴 Retirement — How Much Do I Need to Retire?🏦 High-Yield Savings Account 💹 Compound Interest

💱 Amounts shown in selected currency. Rates are approximate — for exact rates check your bank.

About This Calculator

The 4% rule estimates a "safe" annual withdrawal rate from a retirement portfolio designed to last roughly 30 years. Enter your portfolio value and withdrawal rate to see your annual and monthly income.

About This Calculator

The 4% rule estimates a "safe" annual withdrawal rate from a retirement portfolio designed to last roughly 30 years. Enter your portfolio value and withdrawal rate to see your annual and monthly income.

Frequently Asked Questions

What is the 4% rule?

The 4% rule suggests withdrawing 4% of your retirement portfolio in year one, then adjusting for inflation each year after, with a high probability of the money lasting 30 years.

Is 4% always safe?

No — it is a rule of thumb based on historical US market data. Market conditions, retirement length, and your asset allocation can all affect what withdrawal rate is actually sustainable.