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Sustainable Withdrawal: How Much Can You Safely Spend in Retirement?

Discover your optimal withdrawal rate with our scenario-based, privacy-first withdrawal calculator. See how a 4%, 5%, or 6% withdrawal rate impacts your retirement savings—and find the best strategy to ensure your money lasts as long as you do.Model safe withdrawal, adjust for inflation, and compare “what-if” scenarios—no advisor or bank connection required.
Withdrawal Rate Calculator
Scenario-Based Planning
AI-Powered Insights
Privacy-First Analysis
Try Withdrawal Calculator Free
Sustainable withdrawal calculator dashboard

Find Your Optimal Withdrawal Strategy

Test different withdrawal rates—see how spending, inflation, and investment growth affect the sustainability of your retirement income.

  1. Enter your retirement savings, age, and expected expenses.
  2. Adjust withdrawal rates (3%, 4%, 5%, 6%) and inflation assumptions.
  3. Review results: See how long your money lasts and get AI-powered recommendations for sustainable withdrawals.
Withdrawal calculator dashboard
What-if: sustainable withdrawal rate scenarios
AI insight: optimal withdrawal rate
All screenshots are from our sustainable withdrawal planner. Try your own scenarios instantly.

Sustainable Withdrawal: FAQ & Common Questions

What is a safe withdrawal rate for retirement?

A safe withdrawal rate is the annual amount you can withdraw from your savings without running out of money. Many experts suggest 4%, but the right rate for you depends on your age, savings, expenses, and market returns. Our tool helps you test multiple rates.

How does a 6% withdrawal rate affect my savings?

Higher withdrawal rates mean your savings may not last as long—especially if markets dip or inflation rises. Our calculator lets you model 3%, 4%, 5%, and 6% withdrawals and see how long your money will last in different scenarios.

How can I ensure my savings last throughout retirement?

Use our scenario-based planner to test different withdrawal rates, spending levels, and investment returns. Get AI-powered recommendations to optimize your plan for lasting security.

What is the 4% rule and is it still relevant?

The 4% rule is a guideline for sustainable withdrawals, based on historical market returns. It’s a great starting point—but our tool helps you go deeper by customizing your own plan.

Is there an optimal withdrawal strategy for my portfolio?

Yes! The best strategy depends on your asset allocation, age, retirement timeline, and goals. Model tax impacts, sequence-of-returns, and spending flexibility with our calculator.

Do I need an advisor or link my accounts to use this calculator?

No—DIY My Finances is privacy-first, scenario-based, and does not require account linking or an advisor. Get instant results and full control.