Plus tier · advanced calculator
Safe withdrawal rate is a Plus-tier tool. Try the math here for free; saving scenarios, AI dispatches against your portfolio, and exports unlock on a paid plan.
§ Calculator · Retirement
Safe withdrawal rate
What this is
How much can you safely pull from your portfolio each year?
The 'safe withdrawal rate' is the % of your portfolio you can draw annually without running out in retirement. Bengen's 4% rule is the classic answer: $40k/yr per $1M portfolio, lasting 30 years.
- ·Below 3.5% — conservative. Survives even the worst historical 30-year periods.
- ·3.5-4.5% — the Bengen / Trinity Study sweet spot. Most advisors recommend this band.
- ·4.5-6% — aggressive. Works for high-equity portfolios + shorter horizons + late retirement starts.
- ·Above 6% — depleting. Failure rates rise sharply over 30 years; reserve for short horizons only.
Withdrawal rate
4.00%
Band
Guarded
Per $1M portfolio
$40,000
Educational. Not financial advice. Real SWR depends on asset mix, sequence-of-returns risk, longevity, and other income (CPP/OAS/DBPP) reducing what you need from the portfolio.
§ The breakdown
Hint + benchmark + sensitivity
Near the textbook 4% rule. Comfortable for a 30-year horizon at typical equity allocations.
Reference: Bengen 4% rule + Trinity Study (30-year US history).
Plus extends this with a 5×5 sensitivity grid (portfolio × rate), Monte Carlo success %, and year-by-year drawdown projection.