Calculator

Safe withdrawal rate

How long your nest egg lasts at a given withdrawal rate.

Inputs

Amounts in USD

Retirement corpus (USD)

Withdrawal rate (year 1) (%)

Real return after retirement (p.a.) (%)

Inflation (p.a.) (%)

Years to model

Portfolio lasts

ECB daily · 2026-08-07

35 years

$1,000,000 at 4% SWR lasts 35 years with 4% real return.

Year-one withdrawal: $40,000
Balance after 35 years: $53,690

Formula: Year 1 withdrawal = corpus × SWR; spend inflates annually · ECB rates 2026-08-07

How this works

Year-one withdrawal equals corpus × withdrawal rate. Each subsequent year, spending rises with inflation while the portfolio earns a real return net of fees.

Historical backtests underpin the famous 4% rule; your actual horizon, asset mix and sequence-of-returns risk may differ.

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