Safe Withdrawal Calculator
Calculate safe withdrawal from your own entered figures.
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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.
What this tool does
Calculate safe withdrawal from your own entered figures. The 4% convention is not a guarantee. Portfolio composition, time horizon and sequence-of-returns risk matter.
How to use the Safe Withdrawal Calculator
- Enter or select portfolio value.
- Enter or select annual withdrawal rate (%).
- Read the calculated result; change any measurement to compare alternatives.
Formula
annual withdrawal=portfolio×rate/100; monthly withdrawal=annual/12
- balance
- Portfolio value
- rate
- Annual withdrawal rate (%)
The 4% convention is not a guarantee. Portfolio composition, time horizon and sequence-of-returns risk matter.
Worked example
For safe withdrawal calculator, the following measurements illustrate the exact method: Portfolio value: 1000000; Annual withdrawal rate (%): 4.
Inputs
- Portfolio value1000000
- Annual withdrawal rate (%)4
Result
- Annual withdrawal$40,000.00
- Monthly withdrawal$3,333.33
Results explained
- Annual withdrawal
- Annual withdrawal from the formula above. The 4% convention is not a guarantee. Portfolio composition, time horizon and sequence-of-returns risk matter.
- Monthly withdrawal
- Monthly withdrawal from the formula above. The 4% convention is not a guarantee. Portfolio composition, time horizon and sequence-of-returns risk matter.
Frequently asked questions
annual withdrawal=portfolio×rate/100; monthly withdrawal=annual/12
The 4% convention is not a guarantee. Portfolio composition, time horizon and sequence-of-returns risk matter.
No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.
This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.
Check period consistency, currency, percentage inputs and the assumptions: The 4% convention is not a guarantee. Portfolio composition, time horizon and sequence-of-returns risk matter.