Home › Tools › 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 · Works offline

🔢 Input Parameters

Retirement Portfolio ($)

Total value of retirement accounts

Initial Withdrawal Rate (%)

Classic 4% rule; 3% conservative, 5% aggressive

Expected Retirement Years

Typically 30 years (65-95)

Expected Annual Return (%)

S&P 500 long-term ~7%

Expected Inflation (%)

Long-term average ~3%

💰 Year 1 Withdrawal
-
Based on initial SWR

📅 Monthly Available

Annual ÷ 12

📊 Total Withdrawn

Cumulative withdrawals

🏦 Ending Balance

Estimated remaining at end

✅ Sustainability

Will funds last?

⚠️ Exhaustion Year

Year funds may run out

📖 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.