4% Retirement Calculators

Simple tools to help you estimate safe withdrawal rates, project future income, and plan a sustainable retirement strategy.

Annual Withdrawal
Compute first-year withdrawal: Portfolio × (Rate⁄₁₀₀). Default rate 4%.
Result
First-year withdrawal: $40,000
Formula: $1,000,000 × 0.04.
Target Portfolio
See how much you'd need saved to retire comfortably based on your desired yearly income.
Desired Income Input
Result
Portfolio needed at retirement: $2,687,833
Year 1 withdrawal (2035): $107,513
You entered $80,000 in today's purchasing power. We inflated this from 2025 to 2040 (15 years at 3% inflation) to get $124,637 in 2040 dollars. Then we discounted this back from 2040 to 2035 (5 years) to get the year 1 withdrawal of $107,513. To support that withdrawal, you'll need $2,687,833 at retirement using a 4% withdrawal rate.