!! Calculator has been updated with the dataset 1871 - 2025 !!
The Safe Withdrawal Rate (SWR) is the maximum rate at which a retiree can withdraw money from a retirement account each year with a low risk of depleting the funds during their lifetime.
This interactive calculator allows you to run your own simulations based on historical data for various asset classes. You can adjust the simulation parameters, such as the number of years, the withdrawal rate, and the portfolio allocation, to see how these changes affect the success rate.
Try it yourself!
Safe Withdrawal Rate Calculator
Total Expense Ratio
Portfolio Allocation
Quick Start — How to use this calculator
For a comprehensive guide, refer to the SWR Calculator Guide.
- Enter your Initial Value, Years (horizon), and Withdrawal Rate (%).
- Set your Start Year and End Year to define the historical window.
- Choose your Withdrawal Frequency, Inflation Adjustment, and Rebalancing Strategy.
- Build your Portfolio allocation; allocations must sum to exactly 100%.
- Optionally set Annual Fees (%).
- Click Calculate. The tool runs monthly rolling simulations and shows success probability plus summary statistics.
Notes:
- This calculator runs historical rolling-window simulations using embedded monthly return series. It does NOT run Monte Carlo simulations. I will have a separate calculator for that. Withdrawals can be inflation-adjusted (or not), and the portfolio can be rebalanced yearly or not at all.