beyond-4pct

Beyond the 4% rule

A historical backtest of retirement withdrawal rules, from Bengen’s 4% rule to a flexible rule that follows how retirees actually spend and is tuned for a 2% chance of running out.

• Withdrawal plan explorer — tune the recommended plan in your browser and see every 30-year U.S. retirement since 1928 and 5,000 retirements reshuffled from real history.
• Following the plan, year by year — the January routine, the planned change for every age, and two worked retirements.
• Full write-up — method, results and charts.
• Code and data on GitHub

Not financial advice.

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