Gliora
Tools

Money

Housing & transport

Life

Tools

Español

4% rule calculator

4% rule calculator

You can withdraw per year 20.000,00 € 1666,67 € a month

The 4% rule suggests you can withdraw that percentage of your portfolio in the first year (adjusting it for inflation afterward) with a high probability it lasts 30 years or more. Lower rates (3-3.5%) give more safety margin. Not financial advice.

This 4% rule calculator works out how much you can withdraw each year from your invested portfolio, using the 4% rule or the withdrawal rate you choose.

Living off your investments

The 4% rule is the best-known reference for estimating how much you can spend per year without running out of money. The lower your withdrawal rate, the safer the plan — and the larger the portfolio you need to fund the same income.

For guidance only — this is not a guarantee and not financial advice.

FAQ

What is the 4% rule?
It states that you can withdraw 4% of your portfolio in the first year of retirement and adjust that amount for inflation every following year, with a high historical probability that the money lasts 30 years or more.
Is it foolproof?
No. It depends on market returns and the sequence in which they occur. That's why many people prefer more conservative rates (3-3.5%) or adjust spending in bad years.
How does it relate to the FIRE number?
It's the flip side of your FIRE number: if you need 25 times your annual spending to retire, that's the same as assuming a 4% withdrawal rate (1 ÷ 4% = 25). Lowering the rate raises the multiple you need to save.