Retirement Withdrawal Calculator
Find out how long your retirement nest egg will last — and what withdrawal rate is sustainable.
Sustainable Withdrawal Rates
| 3% / year | Very conservative, portfolio likely grows |
| 4% / year | Classic rule, historically 30+ years |
| 5% / year | Moderate, 20–25 year horizon |
| 6%+ / year | Higher risk of running out |
At 4%: $1M supports $40K/yr. Social Security supplements this.
FAQs
The 4% rule states you can withdraw 4% of your portfolio in year one and adjust for inflation annually, and your savings will last at least 30 years in most historical market scenarios.
Reducing spending, earning investment returns above inflation, working part-time, delaying Social Security, and using a flexible withdrawal strategy all help extend the life of your portfolio.