Safe withdrawal rate calculator
Estimate withdrawal amount, monthly income, and expense coverage from portfolio value, withdrawal rate, and annual expenses.
Inputs are calculated in your browser. Results are estimates, not investment, tax, legal, or contract advice.
Search and use guide
Safe withdrawal rate calculator
Estimate withdrawal amount, monthly income, and expense coverage from portfolio value, withdrawal rate, and annual expenses. privacy-first-browser-tooling
Who it helps
- Useful for FIRE, retirement cash-flow, and target-portfolio checks.
- Annual withdrawal = portfolio value times withdrawal rate. Coverage = withdrawal divided by annual expenses.
- 1,000,000 portfolio at 4% gives about 40,000 per year.
What you can enter
- 1,000,000 portfolio at 4% gives about 40,000 per year.
- Annual withdrawal = portfolio value times withdrawal rate. Coverage = withdrawal divided by annual expenses.
How to read results
Annual withdrawal = portfolio value times withdrawal rate. Coverage = withdrawal divided by annual expenses. privacy-first-browser-tooling
Data and privacy
GoGo Tools records analytics by tool slug only and does not include your input values. privacy-safe-analytics-only
Feedback
How can we improve this tool?
Send a suggestion or bug report for this tool.
FAQ
Is this investment, tax, or legal advice?
No. It is a scenario and operating estimate. Consult a qualified professional for investment, tax, or legal decisions.
Is data uploaded?
No. This batch calculates in your browser. Analytics records the tool slug only.
Can I download results?
The first release shows readable result cards. CSV export can be added in a later pass if needed.
Can I use any currency?
Yes. The tools do not lock a currency; enter every money field in the same currency.