4% Rule Calculator
4% Rule Calculator
The "4% rule" is a rule of thumb: withdraw 4% of your starting balance in year one, then increase that dollar amount with inflation every year after. Enter a starting balance to see the schedule, or a desired withdrawal to find the balance it requires (the "25× rule").
Required balance:
Withdrawal schedule
| Year | Withdrawal |
|---|---|
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What do the symbols mean?
| Balance | Starting retirement portfolio balance |
| Rate | Withdrawal rate applied in year one (4% in the original rule) |
| Inflation | Annual rate the dollar withdrawal grows by, to preserve purchasing power |
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