Finance Calculators

Savings Withdrawal Rate Calculator

Calculate the annual withdrawal rate implied by a target retirement income drawn from a given portfolio size.

Portfolio value

Desired annual withdrawal

Implied withdrawal rate —

Monthly income —

About the Savings Withdrawal Rate Calculator

Rather than starting from a target withdrawal rate to size a portfolio, this calculator works the other direction — showing what withdrawal rate a specific portfolio and income target actually implies.

Formula: Withdrawal Rate = (Annual Withdrawal ÷ Portfolio Value) × 100

A rate meaningfully above 4-4.5% raises the risk of depleting a portfolio over a long retirement, especially during periods of poor early returns — compare your result against the FIRE number calculator's target.