Safe Withdrawal Rate Calculator

Calculate safe withdrawal rate and portfolio sustainability. See historical success rates at different SWR levels.

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Time Horizon

Your Withdrawal Rate

4.00%

Historical Success Rate

95%

Monthly Income at 4.00%

$3,333.33

Annual Income at Various Withdrawal Rates (30-Year Horizon)

3.0% SWR — 100% success$30,000.00/yr ($2,500.00/mo)
3.5% SWR — 99% success$35,000.00/yr ($2,916.67/mo)
4.0% SWR — 95% success$40,000.00/yr ($3,333.33/mo)
4.5% SWR — 87% success$45,000.00/yr ($3,750.00/mo)
5.0% SWR — 78% success$50,000.00/yr ($4,166.67/mo)

Portfolio After 30 Years (Scenario Analysis)

Optimistic (75th pctl)$7,324,669.79
Expected (median)$1,531,510.78
Conservative (25th pctl)$156,183.95
Poor (10th pctl)Depleted

About Safe Withdrawal Rates

  • The 4% rule suggests withdrawing 4% in year one, then adjusting for inflation.
  • Historical success rates are based on a 60/40 stock/bond portfolio.
  • 3.5% or lower is generally considered very safe for 30+ year horizons.
  • Consider lowering your rate if you have a longer time horizon or want more security.

Use the Safe Withdrawal Rate Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

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