CrankyEarl.com

This is a quick 4%-rule estimate: one flat return rate the whole way, one lump expense number, no market crashes, no sequence-of-returns risk. We're also not touching taxes here, so budget a little extra cushion — especially if most of your savings is in a Traditional 401(k) or IRA. Want the real, stress-tested answer — with taxes, Roth conversions, and Monte Carlo crash tests? Unlock the full calculator below.