Safe Withdrawal Rate Calculator
How much can you safely spend in retirement?
At 4% (fixed strategy)
$3,333/mo
$40,000/yr·$110/daycheck_circleSurvives 30yr
Portfolio Depletion Curve
fixed strategy, 7% return, 3% inflationSafe Withdrawal Amounts
3% SWR
$2,500
/month
$30,000/yr
3.5% SWR
$2,917
/month
$35,000/yr
4% SWR
$3,333
/month
$40,000/yr
4.5% SWR
$3,750
/month
$45,000/yr
5% SWR
$4,167
/month
$50,000/yr
Strategy Comparison at 4%
How each withdrawal strategy affects your portfolio over 30 years
fixed
End Balance$2.4M
Year 1 Spending$40,000/yr
variable
End Balance$2.4M
Year 1 Spending$40,000/yr
guardrails
End Balance$2.2M
Year 1 Spending$40,000/yr
This tool is for educational and informational purposes only. It does not constitute financial advice. Past performance does not guarantee future results. Consult a qualified financial advisor for personalized advice.