Money Tools

Safe Withdrawal Calculator

Estimate annual and monthly portfolio withdrawals from a chosen withdrawal rate.

Updated April 11, 2026
Free online tool
Planning and research use

Why this page exists

Withdrawal-rate planning becomes more useful when the annual number is turned into a monthly view and tied directly to the portfolio size. This calculator helps visitors estimate how much a portfolio might support annually and monthly under a chosen withdrawal-rate assumption.

Interactive tool

Run the estimate

Enter your numbers and read the result first, then use the sections below to understand what affects the outcome.

Calculator

Safe withdrawal calculator

Estimate annual and monthly withdrawal amounts from a portfolio using a chosen withdrawal rate.

Result

$34,000

Estimated annual and monthly withdrawal amounts based on the portfolio balance and withdrawal rate entered.

Estimated annual withdrawal$34,000

Estimated monthly withdrawal$2,833

Withdrawal rate used4.00%

Portfolio balance$850,000

4.00% of $850,000 produces an estimated annual withdrawal of about $34,000.
That works out to about $2,833 per month as a simple planning estimate.
This estimate does not adjust later withdrawals for inflation, so it works best as a first-pass planning number.

This is a planning estimate only, not financial advice. Real withdrawal decisions depend on taxes, market returns, sequence risk, lifespan, and spending flexibility.

Planning note

Last updated April 11, 2026. Use this tool to compare scenarios and plan ahead, then confirm important details with the lender, employer, insurer, contractor, or other qualified provider involved in the final decision.

How it works

What the calculator is doing

Enter the portfolio balance and the withdrawal rate percentage you want to test.

The calculator estimates the annual withdrawal amount and converts it into a monthly planning number.

If you turn on inflation adjustment, it also shows a simple next-year inflation-adjusted withdrawal target.

Understanding your result

The withdrawal estimate is most useful as a planning benchmark rather than a promise of sustainability. Small changes in withdrawal rate can move the annual amount meaningfully, which is why comparing more than one rate can be helpful.

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Examples

Ways people use this tool

Example scenarios help turn a quick estimate into a more useful comparison or planning step.

Check a first-pass retirement income estimate

Use the annual and monthly results to turn a portfolio balance into a simpler spending-planning number.

Compare a 3.5% and 4% withdrawal assumption

A small shift in withdrawal rate can change the annual income estimate more than people expect.

See how inflation might change next year's target

The inflation option can help show how a later withdrawal target may differ from the first-year amount.

FAQ

Common questions

How is the withdrawal amount estimated?

This calculator multiplies the portfolio balance by the withdrawal rate entered, then shows the result as both an annual and monthly amount.

Does the inflation setting change the first-year withdrawal?

No. It shows a simple next-year inflation-adjusted target so you can compare the first-year estimate with a later planning amount.

Is this financial advice?

No. It is a planning estimate only, and real withdrawal decisions depend on taxes, market results, longevity, and spending flexibility.

Related tools

Keep comparing

Use these related tools to compare nearby scenarios, check a second estimate, or keep narrowing down the right decision.

Money ToolsUpdated April 11, 2026