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4% rule.
Estimate the target portfolio to sustain an annual spend with a withdrawal rate. Useful for FIRE-style estimates — with caution.
FIRE
4% rule 4% (target portfolio)
Quick estimate of the portfolio needed to sustain an annual spend based on a withdrawal rate (“safe withdrawal rate”).
Estimated capital
€450,000
With withdrawal 4.0%.
Annual spend
€18,000
(€1,500 per month)
Note
This is a rule of thumb based on historical studies. It doesn’t guarantee results and it doesn’t replace financial advice.
Important notes
- Rule of thumb based on historical data.
- For projections, combine with compound interest and inflation.