safe withdrawal rate
4% rule
FIRE
retirement
SWR
sequence risk
Guyton-Klinger

4% Rule Safe Withdrawal Rate Calculator

Models whether a retirement portfolio can sustain a given withdrawal rate. Goes beyond the simple 4% rule to show how portfolio composition, inflation, and sequence risk affect the actual safe rate.

Tool URL: https://ainumbers.co/tools/170-safe-withdrawal-rate-calculator.html AP2/Policy Mandate export: yes

post/v1/tools/calculate_safe_withdrawal_rate

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/calculate_safe_withdrawal_rate
  • Auth: none declared

Request body

portfolio_valuenumber required

Current portfolio value in USD

annual_withdrawalnumber required

Planned annual withdrawal in USD

horizon_yearsnumber required

Retirement horizon in years

allocationstring

Portfolio allocation preset

inflation_pctnumber

Assumed annual inflation rate

additional_incomenumber

Annual income from Social Security or pension

strategystring

Withdrawal strategy

Response

Successful tool execution result

swr_pctnumber
fire_numbernumber
survival_probability_pctnumber
years_to_depletionnumber
real_value_at_30yrnumber
verdictstring

Changes

No recorded changes to this operation across all 1 revision of this API.