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Safe Withdrawal Rate Calculator

Find your safe withdrawal rate with Monte Carlo simulation. 1,000 scenarios, stochastic inflation, powered by J.P. Morgan 2026 assumptions.

Your Retirement Setup

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Stocks = MSCI ACWI · Bonds = US Aggregate · Cash = Money Market · 0.5% annual fee · Annual rebalancing

Configure your retirement setup above and click Calculate SWR.

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Safe withdrawal rate vs perpetual withdrawal rate

A safe withdrawal rate answers “what can I spend so the money lasts N years?” A perpetual withdrawal rate answers a stricter question: “what can I spend so the portfolio never runs out — and ideally keeps its real value forever?” Perpetual rates matter for early retirees with 40+ year horizons, for endowment-style planning, and for anyone who wants to leave the principal intact. They typically sit 0.5–1.5 percentage points below a 30-year SWR.

In the heatmap above, the longest horizons at high confidence are a practical proxy for a perpetual rate: if a withdrawal rate survives 40 years at 95–99% confidence with forward-looking return assumptions, it is close to indefinitely sustainable. Because the calculator is currency-agnostic, the same framework works whether your portfolio is in dollars, pounds, or euros.

Related reading

The Updated Trinity Study: Safe Withdrawal Rates in 2026The Case for Bitcoin in a Retirement PortfolioMonte Carlo Retirement SimulatorFIRE Retirement Planning Tools

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