← Honed Money

Spend the money. Keep the money.

Enter your portfolio and the assumptions, then see how much you can take out each year — and how long it lasts at 3%, 4%, and 5%.

Your portfolio

01 / SAVINGS
$
4%

Assumptions

02 / GROWTH
%
%
yrs
Email my results

Calculate to activate the email and copy buttons. Your entries stay in this tab and are not saved.

How fast can you spend it?

Enter your portfolio value and assumptions, then test the classic 4% rule — and what happens at 3% or 5%.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.