Safe Withdrawal Rate Calculator
Determine how much you can safely withdraw from your retirement portfolio each year. Based on historical market data and the famous Trinity Study.
Based on historical data, your portfolio has a 95% chance of lasting 30 years at this withdrawal rate.
| Rate | Annual | Monthly | Success |
|---|---|---|---|
| 3.0% | $30,000 | $2,500 | 99% |
| 3.5% | $35,000 | $2,917 | 98% |
| 4.0% | $40,000 | $3,333 | 95% |
| 4.5% | $45,000 | $3,750 | 85% |
| 5.0% | $50,000 | $4,167 | 75% |
Understanding Safe Withdrawal Rate
The Safe Withdrawal Rate (SWR) is the percentage of your portfolio you can withdraw annually with high confidence it will last your entire retirement. The famous "4% rule" comes from the Trinity Study, which analyzed historical returns from 1926-1995.
Key findings: A 4% initial withdrawal rate, adjusted for inflation, had a 95%+ success rate over 30-year periods with a 50-75% stock allocation. Lower rates (3-3.5%) are recommended for 40+ year retirements or those wanting extra safety margin.
Disclaimer: This calculator is provided for educational and informational purposes only. Results are estimates based on the inputs you provide and may contain errors or inaccuracies. This tool does not constitute professional financial, investment, or tax advice. Individual circumstances vary, and you should consult with a qualified financial advisor, accountant, or other professional before making any financial decisions. We make no guarantees regarding the accuracy, completeness, or reliability of the calculations or results provided.
Plan Your Retirement Withdrawals
Track your portfolio, model different scenarios, and optimize your withdrawal strategy with SavePoint.
Get SavePoint - One-Time Purchase