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Retirement

How much can I spend in retirement?

Quick Answer

The 4% rule: in year one withdraw 4% of your starting nest egg, then adjust that dollar amount for inflation each year. Over 30 years it has historically succeeded ~95% of the time.

Annual spending capacity by portfolio size using 4% safe withdrawal rate.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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