4% Rule Retirement 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.