Safe Withdrawal Rate Calculator
Compare withdrawal rates and see how long your portfolio will last in retirement.
Portfolio Details
Default: 4% (Trinity Study)
How many years you expect to be retired
At 4% Withdrawal
Lasts 30+ years
Portfolio sustains through your planned retirement
First Year Withdrawal
$40,000
4% of $1,000,000
Remaining After Retirement
$2,245,788
Surplus after planned retirement years
Portfolio Balance Over Time
How your portfolio changes through retirement
Withdrawal Rate Comparison
See how different withdrawal rates affect portfolio longevity:
3%
30+y
3.5%
30+y
4%
30+y
4.5%
30+y
5%
30+y
Portfolio balance under different withdrawal rates
How These Calculations Work
Annual Withdrawal
Withdrawal = Portfolio × Withdrawal Rate (%)
At 4% SWR, you withdraw 4% of your portfolio in year one, then adjust for inflation each subsequent year.
Portfolio Longevity
Balance(t) = Balance(t-1) − Withdrawal(t) + Interest(t) Interest(t) ≈ (Balance(t-1) − Withdrawal(t)/2) × Return Rate
Each year, your portfolio earns returns on the remaining balance after withdrawals. Inflation increases your withdrawal amount each year.
Frequently Asked Questions
Important Disclaimer
This calculator is for educational and informational purposes only. It does not provide financial, investment, tax, or legal advice. Results are estimates based on the assumptions you enter and may differ from actual outcomes. Past performance does not guarantee future results. Consult a qualified financial professional before making investment decisions.