Withdrawal Rate — How Much Can You Safely Live Off?

Your portfolio × a safe rate = the income that historically survives 30+ year retirements. Compare 3% (conservative) to 4% (classic) and see monthly amounts.

Quick answer: Free withdrawal rate calculator: portfolio in, sustainable annual and monthly income out — 3%, 3.5% and 4% rules compared with success-rate context.

Portfolio value $

💡 Historical success (30-yr retirements, Trinity Study era): 4% ≈ 95%, 3.5% ≈ 98%+, 3% ≈ ~100%. Longer horizons favor lower rates.

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About this tool

The 4% rule (Trinity Study) says withdrawing 4% of a balanced portfolio in year one — then inflation-adjusting — historically survived 30-year retirements ~95% of the time. Early retirees and cautious planners often use 3–3.5% for longer horizons. This calculator converts your portfolio into yearly and monthly income under each rate, so 'can I live off this' becomes arithmetic instead of anxiety.

FAQ

Why not withdraw more if returns are good?

Sequence risk: early bad years plus high withdrawals permanently damage a portfolio — lower rates are the insurance.

Does the 4% include taxes?

No — withdrawals from traditional accounts are taxable; plan gross income around your tax bracket.

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Withdrawal Rate — How Much Can You Safely Live Off?

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About this tool

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