Safe Withdrawal Rate Calculator
Estimate the withdrawal rate implied by your annual spending and current portfolio size.
Implied withdrawal rate
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Portfolio needed at 4%$—
Extra portfolio needed$—
Use with cautionSequence risk still matters.
Why this matters
A withdrawal rate turns your spending target into a portfolio test. If your planned spending implies a higher withdrawal rate than expected, your plan may depend on stronger returns or more flexibility than you think.
This calculator is not a retirement simulator. It is a quick way to see whether your portfolio and spending assumptions roughly fit together.
What to do next
If your withdrawal rate looks high, you usually have only a few real levers: retire later, save more, spend less, or accept more uncertainty. Anything else is mostly wishful thinking.
Also read: 4 percent rule calculator and retirement compound interest calculator.