Retirement Withdrawal Calculator
Use the 4% rule to estimate safe annual withdrawals, and see how long your savings will actually last under your withdrawal rate and returns.
Retirement Withdrawal Calculator
Use the 4% rule and see how long your savings will last
At a 4% withdrawal rate, your savings of $1,000,000.00 should last at least 30 years, ending with $2,674,191.74.
The 4% rule says you can withdraw 4% of your nest egg in year one, increasing with inflation each year, with a high probability of lasting 30 years. This calculator uses a fixed monthly withdrawal (no annual inflation step-up) and compounds at 1/12 of the annual return. Real-world outcomes vary with market returns, sequence-of-returns risk, and taxes.
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Frequently Asked Questions
How much can I withdraw from my retirement savings?+
The 4% rule says withdraw 4% of your nest egg in year one, adjusted for inflation each year, for a high probability of lasting 30 years. On $1 million, that's $40,000/year ($3,333/month). A 3% rate is more conservative; 5%+ raises the risk of running out.
How long will my retirement savings last?+
With $1,000,000, a 4% withdrawal ($40,000/year), and 6% average annual returns, your money lasts 30 years and grows over time. At 5% withdrawals it lasts about 23 years. This calculator models your exact balance over your chosen retirement span.
What is sequence-of-returns risk?+
If the market drops early in retirement, your withdrawals lock in losses and your savings can run out even if average returns look fine. Mitigation: keep 2-3 years of spending in cash, use a dynamic withdrawal strategy, or reduce withdrawals in down years.
How much can I withdraw from my retirement savings?
The 4% rule says withdraw 4% of your nest egg in year one, adjusted for inflation each year, for a high probability of lasting 30 years. On $1 million, that's $40,000/year ($3,333/month). A 3% rate is more conservative; 5%+ raises the risk of running out.
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