The 4% rule in context
Bengen's original study showed a 4% initial withdrawal (inflation-adjusted after) survived 30 years in the worst historical period. For longer horizons or conservative assumptions, 3–3.5% is safer.
Safe withdrawal rate calculator
Find your sustainable retirement withdrawal rate using the 4% rule and custom adjustments.
Results
Year 1 annual income
$48,000.00
Year 1 monthly
$4,000.00
Year 30 annual (inflated)
$116,508.60
Total withdrawals (nominal)
$2,283,619.95
Frequently asked questions
1.Is 4% still safe?
Debated. Current low bond yields and high equity valuations suggest starting lower (3.3–3.5%) then adjusting based on sequence of returns.
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