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4% Rule Calculator
Calculate how much you need to retire safely using the classic 4% withdrawal rule.
About This Calculator
The 4% rule originated from the 1994 Trinity Study — researchers found that withdrawing 4% of a portfolio annually (inflation-adjusted) survived 30 years in virtually all historical US market scenarios. Retiring before 60 or planning a 40+ year retirement warrants a lower rate, around 3.3%. Social Security and pension income reduce the portfolio required dollar-for-dollar.