Retirement Withdrawal Calculator

How Much Can You Withdraw in Retirement?

The 4% rule is a widely recognized guideline that suggests you can withdraw 4% of your retirement savings in the first year, adjusting for inflation each subsequent year, with a high probability of your savings lasting 30 years. Our calculator helps you model different withdrawal rates and portfolio scenarios.

2026 Considerations

With bond yields around 4.5% and stock valuations moderate, financial planners suggest a safe withdrawal rate of 3.5-4.5% for 2026 retirees. If you plan to retire early or have a longer time horizon, consider a more conservative 3-3.5% withdrawal rate. Sequence of returns risk is the biggest threat in the early years of retirement.

Factors Affecting Withdrawal Safety

• Portfolio allocation: 60/40 stock/bond split historically supports 4% withdrawals
• Retirement length: Longer retirements require lower withdrawal rates
• Inflation: Higher inflation reduces real purchasing power over time
• Market returns: Poor returns in early retirement significantly impact sustainability