🏖️ Retirement Income Tool

Safe Withdrawal Rate Calculator

Estimate how much you can withdraw annually and monthly from your retirement portfolio.

Your numbers

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How this safe withdrawal rate calculator works

This calculator estimates how much you may withdraw from a retirement portfolio using a selected withdrawal rate.

Annual Withdrawal = Portfolio × Withdrawal Rate

What it shows

  • Annual and monthly withdrawal amounts.
  • After-tax monthly spending estimate.
  • Comparison between 3%, 3.5%, 4%, and 5% withdrawal rates.

Important note

This tool does not model sequence-of-returns risk, fees, healthcare costs, or changing spending needs.

Related tools

FIRE Number CalculatorFind the portfolio needed for FIRE→FIRE CalculatorFind your FIRE number→Monthly Dividend Goal CalculatorFind assets needed for income→Net Worth CalculatorCalculate assets minus debt→

FAQ

Is 4% always safe?

No. It is a common planning benchmark, not a guarantee.

Should I use 3% or 4%?

More conservative plans often use 3% to 3.5%; aggressive plans may use 4% or higher.

How to Use This Calculator

  1. Enter your financial information in the input fields.
  2. Adjust assumptions such as return rate, inflation, or spending.
  3. Review the calculated results and projections.
  4. Compare alternative scenarios to improve planning.

Example Calculation

Example values are provided to demonstrate how the calculator works. Adjust the inputs to match your own situation and compare outcomes.

Formula

This calculator uses standard financial planning formulas and projections based on the values entered above. Results are estimates and should be used for educational purposes only.

Frequently Asked Questions

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