Retirement Withdrawal Calculator (4% Rule)
Shows the income from a withdrawal rate and how long the pot lasts.
Withdrawal in the first year
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Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Per month —
Money lasts —
Pot needed for this spending at 4% —
Reading this —
The formula
first withdrawal = pot × rate each later year rises with inflation
The pot grows by the return and falls by a withdrawal that increases with inflation each year.
What to watch out for
Being able to spend less in bad years can make a pot last longer.
Frequently Asked Questions
What is the 4% rule?
Withdraw 4% of your pot in the first year, then raise the amount with inflation. On 1,000,000 that is 40,000 in year one.
Is 4% safe?
It held up in nearly all 30-year periods in historical US data, for a mix of shares and bonds before fees and tax, but it is not a guarantee. Longer retirements or other markets may call for less.