How much can you withdraw from a $750k portfolio?
A $750,000 portfolio supports about $30,000 a year, or $2,500 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 $750,000 that's roughly $30,000 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.
Withdrawal rate vs outcome
The same question at every rate, so you can use the one you believe.
| Withdrawal rate | Annual income |
|---|---|
| 3% | $22,500 |
| 3.5% | $26,250 |
| 4%our default | $30,000 |
| 4.5% | $33,750 |
| 5% | $37,500 |
The withdrawal rate is the share of the portfolio you spend in year one, then adjust for inflation. A lower rate is more cautious and needs more invested. Sequence of returns matters as much as the rate itself, which is what Rightmont tests with Monte Carlo.
Assumptions
- Withdrawal rate
- 4%
Frequently asked
How much can I withdraw from $750k?
About $30,000 a year ($2,500 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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