Enter your portfolio and desired retirement spending to see your implied withdrawal rate against age-adjusted benchmarks.
All accounts: 401k, IRA, Roth, brokerage. Use projected value at retirement if not yet retired.
Total annual expenses. Exclude Social Security or pension income -- those reduce what the portfolio must cover.
Determines which age-adjusted rate applies. Use the age when portfolio withdrawals actually begin.
Age-adjusted rates: Money Guy Show, 2026. Conservative floor: Morningstar 30-year retirement research. Research maximum: 4.7% (diversified portfolio, Bengen 2021 research). These are planning benchmarks, not guaranteed outcomes. Social Security and pension income reduce what the portfolio must cover, lowering your effective withdrawal rate.