Is the 4% rule still valid?

It remains a useful starting point, but many planners now recommend 3–3.5% for longer retirements (40+ years) or in low-return environments.

4% Rule Calculator

Find out how much you can safely withdraw in retirement

Current portfolio value ($)

Annual retirement expenses ($)

Optional — to check readiness

Safe withdrawal rate

How to use 4% Rule Calculator

Free 4% rule calculator. Enter your portfolio size and annual expenses to see if you can retire, and how much you can safely withdraw each year.

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Featured Experience

Are you on track for retirement?

Try the Retirement Planner — enter your age, current savings, monthly contributions, and target retirement age. See your projected savings vs the amount you need (4% rule), a live year-by-year chart, and ask the AI advisor whether you are on track.

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Frequently asked questions

The Trinity Study (1998) analyzed historical portfolio returns and found a 4% withdrawal rate sustained a 30-year retirement with high success rates using a 50/50 stock-bond portfolio.