Enough

Safe Withdrawal Rate

How much can I safely spend?

$

50

3050 year horizon80

Sustainable withdrawal rate at age 50 (50-year horizon)

3.65%

Annual: $36,500Monthly: $3,042

60/40 stocks/bonds · 90% historical survival · Plan to age 100

SWR by retirement age (60/40 portfolio)

3.5%4.0%4.5%5.0%5.5%304050607080Retirement Age3.65%

How allocation affects your SWR at age 50

100/0

3.61%

$3,008/mo

80/20

3.80%

$3,167/mo

60/40

3.65%

$3,042/mo

40/60

3.42%

$2,850/mo

20/80

2.67%

$2,225/mo

How this works

We tested every possible retirement starting year from 1926 to 2022 using actual S&P 500 and 10-year U.S. Treasury bond returns (Shiller dataset). For each age and allocation, we found the highest withdrawal rate where at least 90% of historical periods survived without depleting the portfolio.

Withdrawals are inflation-adjusted (real returns). All rates assume you plan to age 100. This is the same approach used in the original Trinity Study.

What does 3.6% look like in your dream city?

$3,042/month goes a lot further in some places. Compare your spending power across 260+ cities.