Safe Withdrawal Calculator
Estimate a starting annual and monthly retirement withdrawal from a portfolio using a withdrawal-rate assumption.
Calculation breakdown
What a withdrawal rate means
A withdrawal rate is the percentage of the starting portfolio used to set an initial annual retirement withdrawal. A 4% input on a $1 million portfolio produces a $40,000 starting withdrawal. Real retirement plans also need to consider inflation adjustments, taxes, investment returns, fees and spending flexibility.
Frequently asked questions
Is 4% always safe?
No. The 4% rule is a historical planning guideline, not a guarantee.
Does this calculator increase withdrawals for inflation?
No. It calculates the starting withdrawal only.
Should Social Security be added to the portfolio withdrawal?
You can enter other annual retirement income separately so it is shown in total income.
Results are estimates for informational purposes only. Verify important financial, tax, real-estate or investment decisions with a qualified professional.