Finance & Economics / Personal Finance
4% Rule Retirement Calculator
Retirement Portfolio
4% is traditional, 3% is conservative
Annual Expenses
For reference: 4% rule suggests this should match your first year withdrawal
Assumptions
How to Use This Calculator
The 4% rule suggests you can safely withdraw 4% of your retirement savings in the first year, then adjust that amount for inflation each year, with a high probability your money will last 30 years.
How it works:
- Year 1: Withdraw 4% of total savings (e.g., $40,000 from $1M)
- Year 2+: Adjust previous year's withdrawal for inflation
- Portfolio continues to grow with remaining balance
- Based on historical data with 50/50 stock/bond portfolio
⚠ Important: This is a guideline, not a guarantee. Consider working with a financial advisor for personalized retirement planning.
Use this 4% rule retirement calculator to compute personal finance results from your inputs.