Safe Withdrawal Rate Calculator

Enter your portfolio value and planned annual withdrawal to calculate your withdrawal rate.

Safe Withdrawal Rate Calculator

Calculate what percentage of your portfolio you'd be withdrawing annually, to compare against safe withdrawal rate guidelines.

This calculator provides an estimate for general informational purposes only. It is not a substitute for professional financial, mechanical or engineering advice.

This calculator divides your planned annual withdrawal by your total portfolio value to find your withdrawal rate as a percentage, which you can compare against commonly cited safe withdrawal rate benchmarks like the 4% rule.

Example

  • With the default values shown above, this calculator returns: Withdrawal Rate ≈ 4.00.

Frequently Asked Questions

What is the formula?

Withdrawal Rate % = Annual Withdrawal ÷ Portfolio Value × 100.

What's considered a 'safe' rate?

4% is the most commonly cited guideline for a 30-year retirement horizon (based on historical U.S. market data), though the right rate for you depends on your time horizon, asset allocation and risk tolerance.

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FIRE Number CalculatorCalculate your FIRE number — the portfolio size needed to sustainably cover your living expenses using a chosen safe withdrawal rate.Annuity Payout (Retirement Withdrawal) CalculatorCalculate the fixed monthly payout a lump sum can sustain over a set number of years, assuming a given rate of return.Retirement Savings Projection CalculatorProjects your retirement account balance from current savings plus ongoing monthly contributions and an assumed return.
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