Safe Withdrawal Calculator
Calculate sustainable monthly withdrawal amounts from your investment portfolio at different withdrawal rates.
Part of our Finance Calculators collection.
Safe Withdrawal Calculator
Free online calculator
$
$
Enter 0 to see standard rates, or enter yours
Results update automatically as you type
How to Use This Calculator
- 1
Enter your financial details.
- 2
See projections instantly.
- 3
Adjust to model different scenarios.
How This is Calculated
4% Rule (Trinity Study): 4% annual withdrawal has historically lasted 30+ years 3.5%: more conservative for longer retirements 3%: very conservative, common for FIRE
Example Calculation
See live result
Inputs
Result
Enter values above
Results update as you type.
Frequently Asked Questions
How accurate are these projections?
Investment projections assume a constant return rate which never occurs in practice. Use these as planning guides, not guarantees.
Should I consult a financial advisor?
For retirement planning, a fee-only fiduciary financial advisor can provide personalised guidance accounting for your full financial picture.