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4% Rule Calculator
A quick way to translate between portfolio size and a sustainable first-year withdrawal.
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What would you like to calculate?
Your estimate
Suggested first-year withdrawal$40,000
Equivalent monthly income$3,333
Portfolio balance entered$1,000,000
The 4% rule is a starting point for conversation, not a plan. Withdrawal strategies are usually adjusted for taxes, market conditions, and guaranteed income sources such as Social Security or annuities.
The 4% rule is a general guideline based on historical market data and is not a guarantee of investment performance or portfolio longevity. Individual results depend on market conditions, withdrawal timing, asset allocation, taxes, and life expectancy. This is not personalized investment advice.
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