Safe Withdrawal Rate Calculator
Calculate sustainable retirement withdrawal rates and project portfolio longevity.
Portfolio Information
$
%
%
Planning Parameters
%
years
$
Annual Withdrawal
$40K
Conservative - Traditional 4% rule
Ending Balance
$2.43M
Portfolio Status
Sustainable
Withdrawal Analysis
Annual Withdrawal$40K
Monthly Income$3K
Total Withdrawals$1.96M
Real Return3.88%
Planning Metrics
Portfolio Needed for Expenses$1.25M
Perpetual Withdrawal Rate3.88%
Years of Expenses Covered0.8x
The 4% Rule: Research suggests a 4% initial withdrawal rate, adjusted for inflation, has historically sustained a portfolio for 30 years. Consider lower rates for longer retirements.