Glossary
Safe withdrawal rate — SWR
The percentage of your portfolio you can withdraw each year, rising with inflation, with a high chance of the money lasting your whole retirement. The 4% rule is one estimate of it; longer retirements point to lower rates.
What it means for you
See it in numbersThe Exit Calculator Years to your number, plotted — with the coast point where you can stop adding, and the one-more-year trap on the far side.The lower the rate, the safer the plan and the bigger the pot you need, so it is the key dial in the whole calculation.
Related terms
Every term, in plain English, on one page — the full glossary. Education, not advice.
Bring me a challenge.
The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.
Ninety minutes, online, €600 — the Exit Audit included.