Retirement Calculator

Based on Bill Bengen's research - Calculate how much you can safely withdraw from your retirement savings each year without running out of money.

Calculator Inputs

Enter with or without currency symbol/commas
4%
7%
3%
30 years
About the 4% Rule

The 4% rule is a retirement planning guideline that suggests you can withdraw 4% of your retirement savings annually, adjusted for inflation, without running out of money for at least 30 years. It was pioneered by financial advisor William Bengen in 1994.

Results Overview

Enter Your Retirement Details

Fill in the form to calculate your retirement plan using the 4% rule. See how long your savings will last based on your inputs.

Note: This calculator provides estimates only. Actual results may vary based on market conditions and other factors. The 4% rule is a guideline and may not be suitable for all retirement situations. Consult with a financial advisor for personalized advice.