# Retirement Withdrawal Calculator

> Model a safe withdrawal rate and see how long a pot lasts against inflation and returns.

A safe withdrawal rate is the percentage of a retirement pot you can take in the first year, rising with inflation thereafter, without running out. The well-known 4% rule assumes a 30-year retirement and historical market returns; this calculator lets you test other rates, returns and inflation assumptions.

**URL:** https://convertto.tech/t/retirement-withdrawal-calculator
**Category:** Calculators (https://convertto.tech/c/calculators)
**Privacy:** Runs entirely in the browser; no upload
**Cost:** Free, no sign-up
**Last updated:** 2026-08-01

## Key facts

- **Privacy:** Runs entirely in your browser — nothing is uploaded
- **Cost:** Free, unlimited, no sign-up

## How to use

1. Set the starting pot.
2. Set the initial withdrawal rate.
3. Set the model over.
4. Set the expected annual return.
5. Set the inflation.
6. Choose the currency symbol.
7. The result appears immediately — copy or download it.

## FAQ

### Is the 4% rule still safe?

It is contested. The original study used historical US returns over 30 years; longer retirements, lower expected returns and different markets all argue for a lower rate. Many planners now suggest 3 to 3.5% for a retirement expected to last 40 years or more.

### What is sequence of returns risk?

The order of returns matters enormously when you are withdrawing. A poor first decade forces you to sell more units at low prices, permanently damaging the pot — even if the long-run average return is identical.

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