What's a safe amount to withdraw?
Turn your balance into a yearly paycheck that can last the whole plan.
Level yearly withdrawal
$51,604/year
$4,300 per month
From $750,000, you could draw about $51,604/year ($4,300/month) and have it last 30 years at a 5.5% return. The well-known 4% rule of thumb would suggest around $30,000/year. The two aren't the same thing: this amount stays flat and spends the balance down to $0 by the final year, while the 4% rule starts lower because its withdrawals rise with inflation every year.
Simplified illustration for conversation. Assumes a steady return and level withdrawals; it does not account for market ups and downs in early retirement. Not tax, legal or investment advice.