Finance & Money
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Retirement Calculator
Project your retirement savings with inflation-adjusted returns and 4% rule.
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Years to Retire
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Total at Retirement
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Inflation-Adjusted
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Monthly Income (4% rule)
4% Rule: Many financial planners suggest withdrawing 4% of your retirement portfolio per year.
This amount is shown as your estimated monthly retirement income above.
Frequently Asked Questions
A common rule of thumb is the 25x Rule: multiply your expected annual retirement expenses by 25. If you need $50,000 per year, you need $1.25 million saved. This is based on the 4% safe withdrawal rate, which suggests you can withdraw 4% of your portfolio annually for 30+ years without running out.
The 4% rule suggests retirees can safely withdraw 4% of their retirement portfolio in year one, then adjust for inflation annually, and sustain withdrawals for 30 years. It was derived from the Trinity Study (1998) using historical US stock and bond returns.