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Safe withdrawal rate and retirement planning

4% Rule Calculator

Calculate safe withdrawal rates for retirement. Based on the Trinity Study, determine how much you can withdraw annually without running out of money.

Calculate WithdrawalFIRE Calculator
4%
Safe Rate
30yr
Success Rate
Trinity
Study Based
25x
FIRE Number

Your Information

$
Conservative (3%)Standard (4%)Aggressive (5%)
$

Your Results

Safe Annual Withdrawal

$40,000

$3,333/month

Portfolio Needed for Expenses

$1,000,000

To support $40,000/year

Success Probability

95%

Chance of not running out over 30 years

Inflation Impact

$97,090

Your $40,000 in 30 years

✓ Your portfolio can support your desired lifestyle!

Understanding the 4% Rule

What is it?

The 4% rule suggests you can withdraw 4% of your portfolio in year one of retirement, then adjust for inflation each year, with a 95% success rate over 30 years.

The Trinity Study

Based on historical data from 1926-1995, researchers found that a 4% withdrawal rate from a 50/50 stock/bond portfolio rarely depleted in 30 years.

Modern Considerations

Some experts suggest 3.5% for extra safety, while others say 5% is fine with flexibility. Consider your risk tolerance and retirement length.

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