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Safe Withdrawal Rate Calculator

Annual retirement income at a chosen withdrawal rate.

Compute how much annual income a retirement portfolio can support at a chosen safe withdrawal rate (commonly 4%).

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

$
%

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Annual income = portfolio × rate%. The "4% rule" suggests a 4% rate has historically supported 30 years of withdrawals.

In depth

Compute how much annual income a retirement portfolio can support at a chosen safe withdrawal rate (commonly 4%).