4% Retirement Withdrawal Calculator
Result
4% Retirement Withdrawal Calculator Calculate sustainable retirement withdrawal using the 4% rule. — free online calculator.
Formula
- 4% rule withdrawal estimate calculator. This page documents the calculator's stated model and gives an educational worked example.
- The main inputs are Retirement savings, Annual withdrawal, Annual return, Years in retirement. Enter them in the units and format shown in the calculator.
- Use monetary amounts, rates and time periods exactly as labeled; the result reflects the assumptions entered on this page.
- Changing any input above recalculates the result with the same calculation engine used by this page.
Example: 4% Retirement Withdrawal
- Retirement savings: 500000
- Annual withdrawal: 30000
- Annual return: 5 %
- Years in retirement: 25
A 500,000 portfolio gives a first-year estimate of 20,000 under the 4% rule.
Sample result: Calculating…
Frequently asked questions
What does the 4% Retirement Withdrawal calculate?
The 4% rule is a historical planning heuristic, not a guarantee of sustainability or investment performance.
Which values should I enter?
Enter Retirement savings, Annual withdrawal, Annual return, Years in retirement using the units and format shown beside each field.
What formula does this calculator use?
The calculator uses the following relationship: First-year withdrawal = Retirement portfolio × 4%.
Why might my result differ from another source?
Results can differ when another source uses different units, rounding rules, conventions or assumptions. Compare the inputs and definitions before comparing results.
Does the result update automatically?
Yes. Changing an input updates the result using the same calculation engine shown on this page.