4% Rule for $1.5 million

See what the 4% rule implies for a portfolio of 1,500,000.

A 1,500,000 portfolio implies a starting withdrawal near $60,000 under a simple 4% rule framework.

That number is best used as a planning anchor, not a promise. The right withdrawal plan depends on taxes, market path, and whether your spending is flexible.

Use this page to move from a quick rule of thumb into a more decision-ready retirement-income plan.

Relevant calculators

Withdrawals1 min

4 Percent Rule

Translate annual spending into a target portfolio using the classic 4% rule framework.

Portfolio target

$2,000,000

Withdrawals3 min

Withdrawal Strategy

Stress test whether your portfolio may sustain retirement withdrawals over time.

Ending balance

$2,838,098

Continue learning

5 min

What is the 4 percent rule?

Understand where the 4% rule comes from and how to use it responsibly.

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6 min

Sequence of returns risk explained

Understand why poor early retirement returns can be more damaging than poor returns later on.

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