A 4% rate historically supported ~30 years, but sequence of returns and inflation matter.

Adjust for inflation?

Yes — many retirees increase withdrawals each year to keep pace with prices.

A 4% rate historically supported ~30 years, but markets and inflation affect outcomes.

Should I adjust for inflation?

Yes — most retirees increase withdrawals yearly to maintain purchasing power.

Home › Retirement › Retirement Withdrawal Calculator

Free retirement withdrawal calculator. See the safe annual and monthly income from your retirement savings.

Estimate sustainable retirement income by applying a withdrawal rate to your total nest egg.

The calculator applies a withdrawal rate to your nest egg to estimate sustainable annual and monthly retirement income.

A $1,000,000 portfolio at a 4% withdrawal rate provides about $40,000 a year, or roughly $3,333 a month.

Will the money last?: A 4% rate historically supported ~30 years, but sequence of returns and inflation matter.
Adjust for inflation?: Yes — many retirees increase withdrawals each year to keep pace with prices.
Will my money last?: A 4% rate historically supported ~30 years, but markets and inflation affect outcomes.
Should I adjust for inflation?: Yes — most retirees increase withdrawals yearly to maintain purchasing power.