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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Open calculator →What this calculates
Estimates a sustainable annual withdrawal from your portfolio.
Assumptions & methodology
- Historical rules of thumb don't guarantee future results.
- Results are estimates based on the figures you enter and simplified assumptions.
- Taxes, fees, rates and individual circumstances can change real outcomes.
Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.
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