4% Rule Safe Withdrawal Rate Calculator

Model whether your retirement portfolio can sustain a planned withdrawal rate. Goes beyond the simple 4% rule — runs four market scenarios side-by-side, models inflation erosion, sequence of returns risk, and Guyton-Klinger guardrails. Zero API. Zero PII. No sign-up.

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Runs entirely in your browser for modeling and educational purposes. Return assumptions are based on historical averages and are not predictive of future performance. This tool does not constitute financial advice. Verify all parameters and consult a qualified adviser before making retirement planning decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Portfolio & Withdrawal

Current portfolio value ($)

Planned annual withdrawal ($)

SWR: 4.00%

Retirement horizon (years)

Additional income — SS / pension ($/yr)

Market & Strategy

Portfolio allocation

Inflation rate (%)

Withdrawal strategy

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Configure your inputs and click
Run Analysis to see results