See the safe income your portfolio can provide (the 4% rule) and how many years it lasts at the amount you plan to withdraw.
The 4% rule comes from historical U.S. data over 30-year retirements; it's a guideline, not a promise. Sequence-of-returns risk and inflation matter. General information, not advice.
The 4% rule suggests withdrawing about 4% of your starting portfolio each year with a good chance of lasting 30 years. Withdraw less than your portfolio earns and it never depletes; withdraw more and this shows how long it lasts.
Safe income ≈ portfolio × 4% · It never depletes while withdrawal ≤ growth
It's debated. Some prefer 3.5% for safety or a flexible rule that adjusts with the market. Try different rates to see the sensitivity.
Poor returns early in retirement — while you're withdrawing — hurt far more than the same returns later. Flat math like this can't capture that, so keep a cushion.
Related: FIRE calculator · retirement savings calculator · annuity payout calculator · all free calculators.
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