Retirement Calculator
4% Rule Calculator
Estimate how much portfolio income a withdrawal rate can support and how large a portfolio you may need.
Calculate your investment growth
Your results
- Safe annual withdrawal
- $0.00
- Safe monthly withdrawal
- $0.00
- Required portfolio
- $0.00
- Portfolio surplus or gap
- $0.00
Frequently asked questions
What is the 4% rule?
The 4% rule is a retirement planning guideline that begins with a withdrawal equal to 4% of a portfolio in the first retirement year.
Can I choose a different withdrawal rate?
Yes. Lower rates generally require a larger portfolio and may provide more flexibility, while higher rates increase withdrawal risk.
Which retirement spending amount should I enter?
Use a realistic estimate that includes housing, healthcare, food, travel, taxes, and other expected retirement expenses.
Does the 4% rule account for inflation?
The original guideline assumes later withdrawals rise with inflation, but this calculator only estimates the first-year withdrawal and portfolio target.
How is this calculator useful for FIRE planning?
It compares portfolio income with planned spending and estimates the portfolio size associated with your chosen withdrawal rate.