免费退休提取率计算器
确定退休后的安全提取率，确保储蓄在整个退休期间不会耗尽。
Withdrawal Rate
4.00 %
Withdrawal Rate vs Portfolio Value
公式
## Withdrawal Rate Analysis **Withdrawal Rate = Annual Withdrawal / Portfolio Value** ### Safe Withdrawal Rates | Rate | Risk Level | |---|---| | 3% | Very conservative | | 4% | Traditional safe rate | | 5% | Moderate risk | | 6%+ | Higher depletion risk | The famous 4% rule is based on research showing a 4% initial withdrawal (adjusted for inflation) has historically survived 30-year periods.
计算示例
$1,000,000 portfolio, $40,000/year withdrawal, 5% return.
- 01Withdrawal rate = $40,000 / $1,000,000 = 4.00%
- 02At 5% return and 4% withdrawal, portfolio theoretically lasts indefinitely
- 03Monthly income = $40,000 / 12 = $3,333
常见问题
What is a safe withdrawal rate?
The 4% rule is the most cited guideline. Recent research suggests 3.5-4.5% depending on market conditions, asset allocation, and retirement length.
Does the 4% rule still work?
The 4% rule was developed based on historical US market data. With current lower expected returns, some experts suggest 3-3.5% for longer retirements.
Should I adjust withdrawals for inflation?
Yes. Most retirement planning assumes you increase withdrawals annually by inflation (2-3%). This maintains your purchasing power over time.
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