Safe Withdrawal Calculator

Estimate how much retirement income your portfolio may support at multiple withdrawal rates, including 3%, 3.5%, 4%, and a custom rate.

Updated April 2026 - Retirement spending scenarios

Portfolio Value

Custom Withdrawal Rate

Expected Retirement Tax Rate

Desired Monthly Spending

What is a safe withdrawal rate?

A safe withdrawal rate is a planning rule that estimates how much you may be able to take from a retirement portfolio each year without running out of money too quickly. This calculator is not a guarantee, but it helps compare conservative and aggressive spending plans.