Your safe withdrawal rate determines how long your retirement portfolio will last. This calculator computes your current withdrawal rate and compares it to the widely accepted 4% guideline. It also shows what your annual withdrawal will need to be in 25 years after adjusting for 3% annual inflation.
Enter Your Measurements
Results
Withdrawal Rate
4.00
%
Monthly Withdrawal
3,333.33
$
Inflation-Adjusted Need in 25 Years
83,751
$
Formula
How to Use This Calculator
How to Use
- 1
Enter your total invested portfolio value at retirement.
- 2
Enter your planned annual spending in retirement.
- 3
Review your withdrawal rate — under 4% is generally considered sustainable for a 30-year horizon.
- 4
Check the inflation-adjusted figure to understand future purchasing power needs.
Frequently Asked Questions
Frequently Asked Questions
Is the 4% rule still valid?
What withdrawal rate is too high?
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About This Calculator
This calculator uses the formula: Withdrawal Rate = Annual Withdrawal / Portfolio Value × 100 Inflation-Adjusted (25 yr) = Annual Withdrawal × (1.03)^25. All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.
Built and maintained by the CalcSmart team. Last updated March 2026.
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