4% Rule Calculator

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First-year withdrawal, adjusted for inflation in later years per the classic 4% rule.

Safe annual withdrawal
$40,000
$3,333 per month, from $1,000,000 at 4%
Monthly income
$3,333
Portfolio for $40,000/yr
$1,000,000
Multiple of spending
25×
Withdrawal rateAnnual incomePortfolio for target income
3%$30,000$1,333,333
3.5%$35,000$1,142,857
4%$40,000$1,000,000
4.5%$45,000$888,889
5%$50,000$800,000
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