What is the 4% safe withdrawal rule?

The 4% rule is a guideline in retirement planning suggesting that retirees can safely withdraw 4% of their total portfolio in their first year of retirement (adjusted for inflation thereafter) without running out of money over a 30-year horizon.

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Retirement & FIRE Goal Calculator

Estimate your total retirement nest egg savings, compound investment growth, and sustainable annual retirement income (4% rule).

Last updated August 2, 2026

How to use Retirement & FIRE Goal Calculator

1Enter your current age and target retirement age.
2Enter your current accumulated retirement savings.
3Enter your recurring monthly savings contribution.
4Set your expected annual investment return rate (e.g. 7%).
5View your projected retirement nest egg and 4% rule annual withdrawal budget.

Why use this tool

Estimates total compound investment growth over your career horizon.
Includes 4% rule safe withdrawal rate calculations.

Use cases

FIRE (Financial Independence, Retire Early)

Model how increasing monthly savings accelerates your retirement age.

401(k) / IRA Planning

Verify if your current monthly savings rate is on track for retirement goals.

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Retirement & FIRE Goal Calculator

How to use Retirement & FIRE Goal Calculator

Why use this tool

Use cases

Frequently asked questions

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