Jul 25, 2025 · The 4% rule is a retirement guideline suggesting you can withdraw 4% of your retirement savings in the first year, then adjust for inflation annually, ideally lasting for 30 years.

Dec 6, 2025 · What Is the 4% Rule? Is it the best approach withdrawing from your retirement accounts? The 4% rule allows 4% withdrawal of retirement savings initially, adjusting for inflation annually....

May 14, 2025 · The 4% rule is a strategy that aims to help you avoid running out of money in retirement by withdrawing 4% of your savings in the first year, then adjusting that amount annually for inflation.

Jul 24, 2025 · This article will... Explain the 4 percent rule and how it is typically applied. Highlight limitations and challenges in applying the 4 percent rule. Describe alternative withdrawal strategies …

What is the 4% rule and how much do you need to retire? Simple 2026 guide with examples. Free consultation with J. Davenport Associates.

The idea behind the 4% rule is to withdraw roughly 4% of your savings each year, adjusting for inflation. By keeping withdrawals low, the 4% rule—or a similar strategy—helps ensure you don’t run out of …

Dec 22, 2025 · The 4% rule is a long-standing guideline used by financial planners for turning retirement savings into lifelong income. In simple terms, during your first year of retirement, you withdraw 4% of …

Feb 16, 2024 · What is the 4% rule? The 4% rule limits annual withdrawals from your retirement accounts to 4% of the total balance in your first year of retirement. That means if you retire with $1 …

Oct 31, 2025 · In your first year of retirement, you can withdraw 4% of your total balance or $100,000. That sets your baseline. The withdrawal amount increases with the inflation rate each year …

Nov 11, 2025 · To calculate the 4% rule, add up all of your retirement investments and savings and then withdraw 4% of the total in your first year of retirement. Each year after that, you increase or …