Tools
Safe withdrawal calculator
Year-one withdrawal is the portfolio times the rate. At 4%, $1,000,000 supports $40,000 before any other income. The rate is a planning choice drawn from historical studies, not a guaranteed income.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- 4% is a historical research convention for a 30-year horizon, not a guarantee.
- The classic rule then adjusts the dollar amount for inflation. This tool shows year one.
Year-one withdrawal
$40,000
Years of spending in the portfolio
25.0
Portfolio divided by the spending you entered. Not a survival study.
Year-one withdrawal = portfolio × withdrawal rate
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Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology