Retirement Withdrawal Calculator (4% Rule)
Turn a portfolio balance into retirement income. See the annual and monthly amount your withdrawal rate produces, and whether it stays inside the classic 4% rule.
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Learn moreThe 4% rule
The 4% rule from the Trinity study suggests withdrawing about 4% of your starting balance each year (adjusted for inflation) gives a high chance of lasting 30 years. That means a portfolio of roughly 25× your annual spending. Recent research points to ~3.7–4% as a safe starting rate; withdraw less for a longer or more conservative retirement.
How it’s calculated & sources
Annual income = balance × withdrawal rate. We also grow the balance at your expected return while subtracting the fixed withdrawal each year to estimate how long it lasts.
Benchmark: the 4% safe-withdrawal rule (Trinity study; Morningstar 2026 puts a safe starting rate near 3.7–4%).
Results update as you type and are general estimates, not personalized advice. Verify with a professional.
Worked example
On $1,000,000 at a 4% rate you draw $40,000/year (~$3,333/month). With a 5% return that outpaces the withdrawal, so the balance is sustainable for 30+ years.
Frequently asked questions
Is 4% still safe?
It is a durable rule of thumb; recent analyses suggest ~3.7–4% as a safe starting rate depending on horizon and portfolio.
Does this include Social Security?
No — benefits or a pension reduce how much you need from the portfolio, so your required withdrawal may be lower.
Should the rate stay fixed?
The classic rule sets the dollar amount in year one and adjusts for inflation; flexible strategies cut spending in down markets to improve success.