How much is 4% of $1 million?

Answer

$40,000 per year, or about $3,333.33 per month — before taxes and fees. This is the foundation of the "4% safe withdrawal rate" guideline.

Assumptions

$1,000,000 × 4% = $40,000/year
$40,000 ÷ 12 = $3,333.33/month

Customize hours, weeks, rates, or amounts to fit your situation.

money

How long retirement savings may last.

money

Project your retirement savings and gap.

money

Financial-independence target and timeline.

Where does the 4% rule come from?

From the Trinity Study and Bengen research, which modeled historical 30-year retirements with a 50/50 stock-bond mix.

Is 4% guaranteed safe?

No — it's a planning heuristic, not a guarantee. Lower withdrawal rates or flexible spending give more safety.

Estimates only. Figures are before taxes and deductions unless noted.