How much can you withdraw from a $500k portfolio?
A $500,000 portfolio supports about $20,000 a year, or $1,667 a month, at the 4% safe withdrawal rate.
The 4% rule is the standard planning baseline: withdraw about 4% of the balance in year one, then adjust for inflation each year. On $500,000 that's roughly $20,000 of first-year income.
It's a starting point, not a guarantee. A rough early market or higher spending can change what's truly safe, which is why Rightmont stress-tests your plan with Monte Carlo instead of trusting a single rule.
Assumptions
- Withdrawal rate
- 4%
Frequently asked
How much can I withdraw from $500k?
About $20,000 a year ($1,667 a month) at the 4% rule.
Is the 4% rule safe forever?
It's a widely-cited baseline, not a promise. Actual safety depends on returns, inflation, and how your spending moves, which Rightmont tests with Monte Carlo.
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