Safe Withdrawal Rate Calculator

The 4% rule suggests withdrawing 4% of your portfolio in year one, then adjusting for inflation each year.

What this calculator does

The Trinity Study found a 4% withdrawal rate had a 95% success rate over 30 years with a 60/40 stock/bond portfolio.

Frequently asked questions

Is the 4% rule still valid?

Research suggests 3.5–4% remains reasonable. Some argue for lower rates given current bond yields.