RETIREMENT CHANNEL
Safe Withdrawal Rate Calculator
Calculate safe annual and monthly withdrawal limits based on your custom SWR.
Calculator Variables
Calculation Overview
Find your customized Safe Withdrawal Rate (SWR) to ensure your portfolio sustains you through retirement.
Mathematical Model & Formula
Withdrawal = Portfolio Size * SWR %
Multiplies total assets by SWR to output safe annual spending limits.
Variables Defined:
Worked Example Scenario
Scenario: Portfolio = $1.5M, SWR = 3.5%.
- Annual withdrawal = $1,500,000 * 0.035 = $52,500
Result: $52,500 safe payout.
Frequently Asked Questions
Is 4% still safe?
The 4% rule, from the Trinity Study, is historically safe for 30-year horizons. For longer retirements (early retirement), 3.0% to 3.5% is safer.