Four Percent Rule Withdrawal
Estimate retirement income from portfolio value.
Calculate four percent rule withdrawal from clear inputs
Four Percent Rule Withdrawal gives a focused worksheet for finance & money questions where a quick deterministic estimate is more useful than a spreadsheet. The four percent rule withdrawal fields mirror the variables in its formula, and the output separates the main result from supporting values so you can sanity-check this calculation before reusing it.
A 900000 portfolio at 4 percent supports a 36000 first-year withdrawal, or 3000 monthly.
Keep the estimate private in your browser
For Four Percent Rule Withdrawal, every calculation runs in your browser with no upload, account, cookie, live lookup, or server-side storage. The four percent rule withdrawal result is best treated as a planning number because the real-world constraints behind this estimate can change the answer. Adjust the four percent rule withdrawal assumptions and confirm important decisions against the relevant source of truth for that exact situation.
Frequently Asked Questions
What is the 4% rule?
A guideline from US market studies, notably the Trinity study: withdraw 4% of the portfolio in the first year of retirement, then adjust that dollar amount for inflation each year, and historically the money lasted at least 30 years.
How much income does the default example give?
A $900,000 portfolio at 4% supports a $36,000 first-year withdrawal, or $3,000 a month, before tax.
Is 4% safe for early retirement?
For retirements longer than 30 years, many planners suggest 3 to 3.5%. Try lower rates in the calculator to see how the income changes.
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