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Withdrawal Rate Calculator
Calculate the percentage of your portfolio you'll withdraw annually in retirement.
About This Calculator
Financial researchers generally consider withdrawal rates below 4% safe for 30-year retirements based on historical US market data. Rates above 5% carry meaningful depletion risk, especially if a market downturn hits in the first five years. Incorporating Social Security income dramatically reduces the required portfolio withdrawal rate — an $18,000/year benefit cuts needed portfolio draws by $450,000 using the 4% rule.