Retirement Withdrawal Rate Calculator
Calculate your first-year withdrawal as a percentage of savings. This is not a safe-withdrawal guarantee.
Example estimate
First-year withdrawal rate
4.00%
- Annual amount from savings
- $20,000.00
- Monthly equivalent
- $1,666.67
An illustrative calculation. Review the assumptions below before using the result.
A ratio, not a recommendation
(Annual spending − annual other income) ÷ savings × 100. A rate describes the chosen first-year draw. It is not a promised sustainable rate and does not model future spending, returns, inflation or longevity.
Questions, answered.
Does this use my personal records?
No. Enter amounts or assumptions only. The site cannot retrieve an SSA earnings record, bank account, pension award or tax return.
Can I calculate with JavaScript turned off?
Yes. Each form sends a standard GET request and PHP calculates the result. JavaScript only improves the update and consent experience.
Why do the official numbers differ from my result?
Individual eligibility, exact dates, rounding, deductions and rules omitted from a simplified scenario can change the amount. Check the source and your own agency notice.
Can I print the calculation?
Use your browser’s print command. The inputs, result and assumptions remain; navigation and consent controls are removed from the printed view.
Check the sources.
Data checked October 1, 2026.