Enter your portfolio size and a withdrawal rate you’re considering, and this safe withdrawal rate calculator shows the annual income that rate would produce, letting you compare the traditional 4% guideline against more conservative or aggressive alternatives.
USA Safe Withdrawal Rate Calculator
Evaluate your starting annual income based on varying safe withdrawal rate targets.
Withdrawal Rate Strategy Comparison
| Strategy | Withdrawal Rate | Annual Income | Monthly Income | Risk Level |
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The right rate for you depends on more than the portfolio size alone. Our full article on how much you can safely withdraw in retirement covers the factors the 4% rule doesn’t fully account for, like your time horizon and flexibility during a downturn.
For a more detailed look at whether your specific balance holds up over your expected retirement length, our retirement withdrawal calculator models that timeline directly.