Safe Withdrawal Rate Calculator
Estimate sustainable annual income from a portfolio using common withdrawal-rate guidelines, including the “4% rule.”
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The “4% rule” suggests withdrawing about 4% of your portfolio the first year, then adjusting for inflation, with a reasonable chance of lasting ~30 years. It’s a starting point, not a guarantee.
Lower rates are safer, especially in downturns or high-valuation markets; a home-equity buffer reduces risk further.
Frequently asked questions
Is the 4% rule still reliable?
A useful benchmark, but the safe rate varies with markets, fees, and horizon.
Should I use a lower rate?
Many retirees choose 3%–3.5% for extra safety early on.
How does equity affect it?
A standby line lets you cut portfolio withdrawals in bad years.
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