CalculatorFinance

4% Rule Calculator

Estimate an initial annual withdrawal using the commonly referenced 4% retirement withdrawal rule.

Instant · no account

Input

Enter your values

Retirement portfolio

Method

How it works

Change any input above and the result updates instantly. The formula or method used by this tool is shown below.

Annual withdrawal = Portfolio value × 4%

Note

This calculator is for general informational purposes only. Results are mathematical illustrations and are not investment or financial advice.

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Quick answers

About this tool

What does the 4% Rule Calculator do?+

Estimate an initial annual withdrawal using the commonly referenced 4% retirement withdrawal rule.

How does this calculator calculate the result?+

It uses this method: Annual withdrawal = Portfolio value × 4%

Are my inputs saved or sent to an account?+

Core CalcForge tools require no account, and most calculations run locally in your browser. Favorites and recent-tool history, when used, stay in this browser.