π‘οΈ Safe Withdrawal Rate Calculator
Free online Safe Withdrawal Rate (SWR) Calculator based on the 4% rule and Trinity Study. Calculate safe annual withdrawals with inflation adjustment and portfolio sustainability analysis.
Zero-dependency Β· Works offlineπ’ Input Parameters
Total value of retirement accounts
Classic 4% rule; 3% conservative, 5% aggressive
Typically 30 years (65-95)
S&P 500 long-term ~7%
Long-term average ~3%
π° Year 1 Withdrawal
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Based on initial SWR
π
Monthly Available
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Annual Γ· 12
π Total Withdrawn
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Cumulative withdrawals
π¦ Ending Balance
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Estimated remaining at end
β
Sustainability
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Will funds last?
β οΈ Exhaustion Year
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Year funds may run out
π About Safe Withdrawal Rates
The 4% Rule
Originating from Bill Bengen (1994) and the Trinity Study (1998): withdrawing 4% of portfolio in year 1, adjusted for inflation thereafter, has ~95% success rate over 30 years.
Modern Adjustments
Some experts recommend 3-3.5% for extra safety given longer life expectancies. This calculator lets you test any withdrawal rate.