Withdrawal Rate Calculator
Estimate sustainable annual and monthly withdrawals.
Read the withdrawal guideEstimated Withdrawals
$0 / yr
Based on your portfolio and withdrawal rate.
Monthly Withdrawal
$0
Portfolio Needed
$0
Years Supported*
—
Inflation-Adj Income
$0
*How long your first-year withdrawal (rate × portfolio), rising with inflation each year, lasts while the remaining balance earns your expected return. Values above 100 show as 100+.
How this calculator works
The withdrawal calculator estimates annual and monthly withdrawals from your portfolio and the portfolio size needed to meet a target income.
Key assumptions
- Withdrawal rate is applied annually.
- Inflation adjusts the target income over time.
Example
Example: $1,000,000 portfolio and 4% rate yields about $40,000/year. The calculator shows monthly income and the portfolio needed for your target.
FAQs
- Is 4% safe? It’s a common guideline, but not a guarantee—test different rates.
- Should I include other income? Yes—reduce your target income by pensions or Social Security.
- Does this model market downturns? Not directly; use Monte Carlo for probability estimates.
Sources: CFPB • Federal Reserve • IRS
Last updated: 2026-07-16