Safe Withdrawal Rate Calculator
The honest version of "how much can I spend?" — measured against your liquidassets only, not contingent or illiquid wealth. See your safe annual draw, what your planned spend really implies, and whether you're inside the guardrails.
Safe to spend per year$100,000≈ $8,333/mo at 4%
Your planned annual spend$120,000
That's a withdrawal rate of4.8%
Annual shortfall$20,000
Slightly over. You're drawing about 4.8% — a bit above your 4% target. Workable, but worth watching in a downturn.
See this tracked live in Velira
Velira keeps your full picture current — concentration, safe spend, and estate exposure — and tells you the move your plan calls for.
Estimate for education only, not financial, tax, or legal advice. It uses simplified, published figures and the assumptions you enter; it omits state taxes (except where you supply a rate), AMT, trusts, and many planning tools. Velira does not file, transmit to the IRS, or move money. Confirm everything with your CPA or estate attorney.