Safe Withdrawal Rate Calculator

Find out how long your retirement savings will last. Compare the 4% rule and other withdrawal rates with a year-by-year balance forecast.

Currently optimized for U.S. retirement planning. Support for additional countries is planned.

How would you like to start?

Use the calculator independently, or prefill compatible information from one of your saved retirement plans.

Retirement portfolio value

Total saved across all retirement accounts.

Annual withdrawal rate

Based on Bengen's 1994 research and the later Trinity Study.

Expected annual return

Nominal return before inflation adjustment.

Inflation rate

Withdrawals are adjusted for inflation each year.

Your age at retirement

Project through age