Sustainable Withdrawal Rate Calculator
Determine how much you can safely withdraw from your retirement portfolio. Compare the classic 4% rule against different withdrawal rates and see how inflation impacts your savings over time.
What is the 4% rule?
The 4% rule is a retirement planning guideline that suggests you can withdraw 4% of your portfolio in the first year of retirement, adjusting for inflation each subsequent year, and have a high probability of your money lasting 30 years. Developed from the Trinity Study, it's a starting point — your actual safe withdrawal rate depends on market returns, inflation, and how long you need your portfolio to last.
How it works: Enter your portfolio value, desired annual withdrawal, expected return rate, and inflation rate. The tool projects your portfolio balance year by year, calculates how long your money will last, and finds the maximum safe withdrawal for a 30-year retirement. The chart compares the 4% rule with 3%, 5%, and 6% withdrawal scenarios.
Sustainable Withdrawal Rate Calculator — SWR & 4% Rule
Free sustainable withdrawal rate calculator. Analyze retirement portfolio longevity, compare withdrawal rates including the classic 4% rule. Save scenarios and export CSV.
Portfolio Balance Over Time — By Withdrawal Rate
Year-by-Year Projection
| Year | Portfolio Balance |
|---|---|
| 1 | $1,030,000 |
| 2 | $1,060,900 |
| 3 | $1,092,727 |
| 4 | $1,125,509 |
| 5 | $1,159,274 |
| 6 | $1,194,052 |
| 7 | $1,229,874 |
| 8 | $1,266,770 |
| 9 | $1,304,773 |
| 10 | $1,343,916 |
| 11 | $1,384,234 |
| 12 | $1,425,761 |
| 13 | $1,468,534 |
| 14 | $1,512,590 |
| 15 | $1,557,967 |
| 16 | $1,604,706 |
| 17 | $1,652,848 |
| 18 | $1,702,433 |
| 19 | $1,753,506 |
| 20 | $1,806,111 |
| 21 | $1,860,295 |
| 22 | $1,916,103 |
| 23 | $1,973,587 |
| 24 | $2,032,794 |
| 25 | $2,093,778 |
| 26 | $2,156,591 |
| 27 | $2,221,289 |
| 28 | $2,287,928 |
| 29 | $2,356,566 |
| 30 | $2,427,262 |