Safe Withdrawal Rate Calculator
Calculate safe withdrawal rate and portfolio sustainability. See historical success rates at different SWR levels.
Your Withdrawal Rate
4.00%
Historical Success Rate
95%
Monthly Income at 4.00%
$3,333.33
Annual Income at Various Withdrawal Rates (30-Year Horizon)
| 3.0% SWR — 100% success | $30,000.00/yr ($2,500.00/mo) |
| 3.5% SWR — 99% success | $35,000.00/yr ($2,916.67/mo) |
| 4.0% SWR — 95% success | $40,000.00/yr ($3,333.33/mo) |
| 4.5% SWR — 87% success | $45,000.00/yr ($3,750.00/mo) |
| 5.0% SWR — 78% success | $50,000.00/yr ($4,166.67/mo) |
Portfolio After 30 Years (Scenario Analysis)
| Optimistic (75th pctl) | $7,324,669.79 |
| Expected (median) | $1,531,510.78 |
| Conservative (25th pctl) | $156,183.95 |
| Poor (10th pctl) | Depleted |
About Safe Withdrawal Rates
- The 4% rule suggests withdrawing 4% in year one, then adjusting for inflation.
- Historical success rates are based on a 60/40 stock/bond portfolio.
- 3.5% or lower is generally considered very safe for 30+ year horizons.
- Consider lowering your rate if you have a longer time horizon or want more security.
Use the Safe Withdrawal Rate Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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