Safe Withdrawal Rate Calculator

Apply the 4% rule (or any rate) to see a sustainable first-year withdrawal and the portfolio needed for your spending.

Enter values

Result

Annual withdrawal

$40,000.00

The 4% rule comes from historical US data for 30-year retirements; longer retirements often use 3–3.5%.

Apply the 4% rule (or any rate) to see a sustainable first-year withdrawal and the portfolio needed for your spending.

Also known as: 4 percent rule, swr calculator, fire withdrawal, safe withdrawal.

Enter portfolio, withdrawal rate, annual spending (optional).
The result updates instantly as you type — press Calculate (or Enter) at any time.
Review the breakdown shown under the main result.
Use Copy result or Share to save the answer or send a link with your inputs.

Withdrawal = portfolio × rate

Using the values pre-filled in the calculator above:

the calculator returns: