4% Rule Withdrawal Calculator
Annual withdrawal = portfolio × 4%
- Year 1 annual
- —
- Monthly
- —
- Year 5 (inflation-adjusted)
- —
- Year 10
- —
- Year 30
- —
Trinity Study: withdrawing 4% inflation-adjusted from a 60/40 portfolio survived 30 years in 95%+ of historical scenarios. Some advisers prefer 3.5% for FIRE timelines > 30 years.
About this tool
4% Rule Withdrawal Calculator is a single-purpose utility on instant.tw, a free toolbox of calculators, converters, generators, and quick lookups. Everything works in your browser — nothing is uploaded, nothing is stored on a server unless explicitly noted.
Category: Personal Finance — Everyday. Browse more Personal Finance — Everyday tools.