Safe Withdrawal Rate Calculator
Find your personal safe withdrawal rate based on retirement length and portfolio allocation. Is your current withdrawal rate sustainable?
Current Withdrawal Rate
5%
Your Safe Withdrawal Rate
3.5%
Your withdrawal rate may be too high
You need approximately $428,571 more to sustain your spending.
Maximum Safe Annual Withdrawal
$35,000
Historical Success Probability
98%
Withdrawal Rate Comparison
Frequently Asked Questions
How Safe Withdrawal Rates Work
The safe withdrawal rate is the percentage of your portfolio you can withdraw each year without running out of money. The famous 4% rule from the Trinity Study applies to a standard 30-year retirement with a 50-75% stock allocation.
For early retirees, the 4% rule may be too aggressive. A 40-year retirement calls for ~3.5%, a 50-year retirement ~3.25%, and a 60-year retirement ~3.0%. This calculator adjusts for both retirement length and your stock/bond allocation.
Your stock allocation matters: too little in stocks and inflation erodes your wealth; too much and market volatility (sequence of returns risk) can permanently damage your portfolio in the early years of retirement. The historical sweet spot is 60-80% stocks.