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Safe Withdrawal Rate Calculator

See how much annual and monthly income a portfolio supports at a chosen safe withdrawal rate.

Portfolio value

Withdrawal rate

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How it works

Annual income = portfolio × withdrawal rate ÷ 100

The safe withdrawal rate is the share of a portfolio you can draw yearly with low risk of running out. The classic "4% rule" from the Trinity study suggests about 4% initially, adjusted for inflation each year.

Worked example

A $1,000,000 portfolio at 4% supports $40,000 a year.

Frequently asked questions

Is 4% still safe?

It is a guideline from historical US data, not a guarantee. Some prefer 3–3.5% for long retirements or lower expected returns.

Does it adjust for inflation?

The rule takes the first-year amount and raises it with inflation each year — this shows that starting amount.

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Calculate your FIRE number from annual expenses and a safe withdrawal rate, plus how long until your savings reach it.

Inflation-Adjusted Return Calculator

Convert a nominal investment return into a real, inflation-adjusted return.

Educational estimate, not investment advice. Returns are assumptions, not guarantees — markets fluctuate and past performance does not predict the future.