// multi-utility computation suite · offline · instant · precise
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pfin.safe-withdrawal-rate Calculator
Calculates sustainable annual withdrawal amount from a retirement portfolio at a given success probability, using the Monte Carlo-derived safe withdrawal rate for different time horizons. For 30-year horizons, a 3.5% withdrawal rate has historically succeeded over 95% of the time; 4% succeeds about 85–90%.
Inputs
Portfolio Value
Reference formula or conversion factor shown for context.
Annual Spending
Reference formula or conversion factor shown for context.
Years Retirement
Reference formula or conversion factor shown for context.
Inflation Pct
Reference formula or conversion factor shown for context.
Results
withdrawal rate
The value at the specified point or condition.
historical success rate est.
The value at the specified point or condition.
annual spending
The result expressed on a per-year basis.
portfolio value
The computed numeric or monetary value.
4% rule
Reference formula or conversion factor shown for context.