Calcufast

Safe Withdrawal: $1,000,000 at 4% → $40,000/year

Turn a portfolio into an annual and monthly withdrawal at a chosen SWR. Educational 4% / Trinity framing — not a guarantee the money lasts.

Inputs
Enter values to calculate
Currency label
Results

Annual withdrawal

$40,000.00

Monthly withdrawal

$3,333.33

Simple runway (years at 0% real)

25.00

Educational estimate, not advice. Annual = portfolio × SWR. The simple runway (1 ÷ SWR) assumes 0% real return and no fees — it is not the Trinity Study result. Bengen (1994) and Trinity (Cooley, Hubbard, Walz) used U.S. historical returns; those PDFs are not on this site (NEED-SOURCE). This tool does not cover sequence risk, taxes, Social Security, or Monte Carlo.

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FIRE Types: Lean, Fat, and Barista on one page

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Safe withdrawal rate (educational)

This page turns a nest egg into a yearly and monthly withdrawal: portfolio × SWR.

Withdrawal

Annual withdrawal = Portfolio × (SWR ÷ 100)

Monthly = Annual ÷ 12

Simple runway (0% real) = 1 ÷ SWR

Default lock

$1,000,000 at 4% → $40,000/year ($3,333.33/month). Simple runway at 0% real growth is 25 years. That runway is not the Trinity Study result.

What the 4% rule is (and is not)

William Bengen (1994) and the later Trinity Study (Cooley, Hubbard, and Walz) looked at U.S. historical stock/bond returns and withdrawal rates. NEED-SOURCE: those papers are not stored as PDFs here.

This calculator does not replay those histories. It only multiplies. It does not cover:

  • Sequence-of-returns risk
  • Taxes, fees, or account type
  • Social Security or pensions
  • Inflation paths or Monte Carlo
Not financial advice

A 4% withdrawal can fail in a bad market path. Treat the number as a teaching example.

Same series

$40,000 ÷ 12 = $3,333.33 (rounded to the cent).

No. 25 years is 1 ÷ 4% with zero real return. Trinity used historical U.S. returns over multi-decade retirements. We do not reproduce that study here.

Yes. Change the label. We do not convert FX.