Safe Withdrawal Rate Calculator
This safe withdrawal rate calculator simulates whether your chosen withdrawal rate lets your retirement portfolio last as long as you need — accounting for investment growth and inflation-adjusted spending, year by year. Enter your numbers to see if your plan holds up.
Your total investable assets at the start of retirement.
The percentage of your starting portfolio you withdraw in year one — later years adjust this amount for inflation.
A long-run average for your portfolio's growth.
Used to increase your withdrawal amount each year, keeping your spending power constant.
How many years you need the portfolio to last.
Years the portfolio lasts
सेव करने के लिए लॉग इन करें30
Capped at your target retirement length — if this equals your target, the portfolio survives the full period in this scenario.
Frequently asked questions
Why might my real portfolio fail even if this calculator says it survives?+
This calculator uses one constant average return every year. Real portfolios experience volatility, and a few bad years early in retirement (a 'sequence of returns' risk) can deplete a portfolio faster than a smooth average return would suggest — this is one of the biggest risks in retirement planning.
Is 4% always the right withdrawal rate?+
It's a well-known historical benchmark, not a universal rule. Longer retirements (common in FIRE planning), lower expected future returns, or a desire for extra safety margin often push people toward a lower rate like 3-3.5%.
Should I reduce withdrawals in a market downturn?+
Many retirees do use 'flexible' withdrawal strategies (spending less after a bad year) rather than a fixed inflation-adjusted amount — this calculator models the simpler fixed approach, so a flexible strategy would likely outperform what's shown here in bad-return scenarios.