I just love this tool
I just love this tool. It is easy to configure and give you a great deal of data.
After using this tool I feel much more confident about my plans
21 December 2025
Unprompted review
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Company details
Written by the company
FourPercentRule.com - Advanced Retirement Planning Made Simple FourPercentRule.com is a comprehensive online retirement planning platform that empowers individuals to make informed decisions about their financial future. Our sophisticated yet user-friendly tools go far beyond basic retirement calculators, offering advanced features like Monte Carlo simulations, historical backtesting, and customizable spending scenarios. What We Offer: Advanced Monte Carlo Analysis - Test your retirement plan against thousands of market scenarios using historical data from 1871 Spending Smile Modeling - Plan for changing expenses throughout retirement with our unique spending pattern analysis Tax Planning Tools - Optimize your withdrawal strategies with built-in tax estimation Portfolio Allocation Explorer - Fine-tune your investment mix with interactive allocation tools Monthly Budget Calculator - Track and plan your retirement expenses in detail Saved Plans & Sharing - Save multiple scenarios and share plans with family or advisors Why Choose Us: Unlike simple 4% rule calculators, we provide sophisticated modeling that accounts for real-world variables like inflation, market volatility, and changing life circumstances. Our platform is trusted by thousands of users, from individual investors to financial professionals, who rely on our tools to create confident retirement strategies. Our Mission: To democratize advanced retirement planning by making institutional-grade financial modeling accessible to everyone. We believe that with the right tools and information, anyone can build a secure and confident path to retirement. Founded by: Steve Gower, a senior software engineer with over 20 years of experience in financial technology and data analysis.
Contact info
13528 20th ave ne, 98125, seattle, United States
- 2065018809
- support@fourpercentrule.com
- fourpercentrule.com
Best Independent 4% Calculator Around!
This is the most comprehensive 4% Rule spreadsheet I have found and is now my "go-to" site. Most other sites are either too simple or complex. Also, most seem to just be used as a sales tool to get your contact info. This results in you receiving a bunch of emails and calls to manage your investments. This site is very straight-forwrd and easy to use, but can be as conprehensive as you like with a lot of great feature like a Monte Carlo and Smile option.
13 July 2025
Unprompted review
excellent planning and experiementing tool
Very useful tool to see where you are at in retirement prep. Even if you have a financial adviser, being able to run these yourself and play various "what if" scenarios is fantastic. Monte Carlo graph is excellent, as well as being able add in various "what if I buy a boat", "what if spend X thousand traveling to Europe for 6 months", "what if I don't start social security until age 70".....
7 July 2025
Unprompted review
Balanced and Reliable Retirement Modeling
Fourpercentrule.com strikes a good balance between ease of use, flexibility of modeling, and simplicity of output. For years, I have recommended this site to friends and coworkers looking to model, and tweak, their own retirement scenarios. I have used this site to back-check my own modeling and have found it to be reliable and accurate.
27 May 2025
Unprompted review
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.