Based on the 4% rule and Trinity Study, calculate safe annual withdrawals for retirement. Custom withdrawal rates, inflation adjustments, and investment returns to help you plan retirement and avoid running out of money.
Zero Dependencies · Works OfflineThe 4% rule was proposed by retirement planner William Bengen in 1994. The core idea: withdraw 4% of your total portfolio in the first year of retirement, then adjust for inflation each year. Based on US market data, this strategy had a 95%+ success rate over most 30-year retirement periods.
Enter your retirement portfolio, desired withdrawal rate, inflation rate, retirement duration, and expected investment return. The calculator simulates year-by-year portfolio changes, showing withdrawal amounts, investment gains, and remaining balance.
More conservative investors may choose 3% (highly safe), while aggressive investors might use 5-6%. This calculator supports custom rates so you can explore different strategies. Note that higher rates increase the risk of depleting savings early.
SWR is affected by: asset allocation (stock/bond ratio), market volatility, retirement duration, inflation, and other income sources (Social Security, pensions). This calculator provides estimates — consult a financial advisor for comprehensive planning.