Safe Withdrawal Rate Optimizer
Optimize Your SWR
Find optimal withdrawal rate for your situation
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Formula
Annual Withdrawal = Portfolio × Safe Withdrawal Rate %
Frequently Asked Questions
Is 4% still safe?
For 30-year retirements: ~95% historical success. For 50+ years: 3% is safer. For 20 years: 4.5% is reasonable. It depends on your time horizon.
Can I use variable withdrawal rates?
Yes! Reduce withdrawals in down markets, increase in up markets. Guardrail strategy (reduce 10% if portfolio drops below guardrails) can support higher rates.
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