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Withdrawal Rate Calculator

How much can you safely withdraw? 4% rule + custom variations.

Portfolio Value

Initial Withdrawal Rate %

4% = Trinity rule. 3-3.5% safer for FIRE.

Stock Allocation %

60-80% stocks recommended for long retirements.

Retirement Length (years)

30 yr typical. 50+ yr for early FIRE.

Annual safe withdrawal

$40,000

Monthly$3,333

Trinity-study success~88%

25x Rule$40,000

The 4% rule: take 4% in year 1, then adjust each year for inflation. 30-yr retirements show ~88% success. Drop to 3.25% for 50-yr FIRE retirements.