How this safe withdrawal rate calculator works
This calculator estimates how much you may withdraw from a retirement portfolio using a selected withdrawal rate.
Annual Withdrawal = Portfolio × Withdrawal Rate
What it shows
- Annual and monthly withdrawal amounts.
- After-tax monthly spending estimate.
- Comparison between 3%, 3.5%, 4%, and 5% withdrawal rates.
Important note
This tool does not model sequence-of-returns risk, fees, healthcare costs, or changing spending needs.
How to use this calculator
- Enter realistic values that match your current situation.
- Press Calculate to refresh the estimate.
- Compare the main result with the supporting details in the result panel.
- Change one input at a time to see which variable affects the result most.
Planning note: Safe Withdrawal Rate Calculator gives an educational estimate. It does not include every tax rule, fee, platform policy, market condition, or personal constraint, so use it as a quick planning reference rather than a final decision.