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Safe Withdrawal Rate Calculator
Find the withdrawal rate that historically survives your target retirement period.
About This Calculator
William Bengen's 1994 SAFEMAX research established 4.1% as the highest withdrawal rate that survived all 30-year US market periods going back to 1926. Higher stock allocations (60%–75%) slightly improve outcomes, while very conservative portfolios (20% stocks) reduce the safe rate below 3.5%. For 40-year retirements, researchers like Michael Kitces suggest 3.5% as a more appropriate anchor.