How long will your pension pot last?
Drag the sliders to see how long a UK pension pot can sustain your spending. Adjust growth and inflation to stress-test your plan.
Last reviewed: 2026-05-16
That's 28 years of income from age 67. Then you'd rely on the State Pension and savings alone.
Deterministic projection - real markets are volatile. See safe withdrawal rates for the sequence-of-returns risk. Educational only - not regulated advice.
Get your drawdown plan stress-tested by a regulated adviser
Drawdown is high-stakes and irreversible. A free first call with an FCA-regulated retirement specialist can stress-test your numbers and check the tax angles.
How the pot evolves
| Age | Opening pot | Withdrawal | Growth | Closing pot |
|---|---|---|---|---|
| 67 | £250,000 | £12,000 | £11,900 | £249,900 |
| 68 | £249,900 | £12,300 | £11,880 | £249,480 |
| 69 | £249,480 | £12,607 | £11,844 | £248,716 |
| 70 | £248,716 | £12,923 | £11,790 | £247,583 |
| 71 | £247,583 | £13,246 | £11,717 | £246,054 |
| 72 | £246,054 | £13,577 | £11,624 | £244,101 |
| 73 | £244,101 | £13,916 | £11,509 | £241,694 |
| 74 | £241,694 | £14,264 | £11,371 | £238,801 |
| 75 | £238,801 | £14,621 | £11,209 | £235,390 |
| 76 | £235,390 | £14,986 | £11,020 | £231,423 |
| 77 | £231,423 | £15,361 | £10,803 | £226,865 |
| 78 | £226,865 | £15,745 | £10,556 | £221,676 |
| 79 | £221,676 | £16,139 | £10,277 | £215,815 |
| 80 | £215,815 | £16,542 | £9,964 | £209,236 |
| 81 | £209,236 | £16,956 | £9,614 | £201,895 |
| 82 | £201,895 | £17,380 | £9,226 | £193,741 |
| 83 | £193,741 | £17,814 | £8,796 | £184,723 |
| 84 | £184,723 | £18,259 | £8,323 | £174,787 |
| 85 | £174,787 | £18,716 | £7,804 | £163,874 |
| 86 | £163,874 | £19,184 | £7,235 | £151,925 |
| 87 | £151,925 | £19,663 | £6,613 | £138,875 |
| 88 | £138,875 | £20,155 | £5,936 | £124,656 |
| 89 | £124,656 | £20,659 | £5,200 | £109,197 |
| 90 | £109,197 | £21,175 | £4,401 | £92,422 |
| 91 | £92,422 | £21,705 | £3,536 | £74,254 |
| 92 | £74,254 | £22,247 | £2,600 | £54,607 |
| 93 | £54,607 | £22,804 | £1,590 | £33,393 |
| 94 | £33,393 | £23,374 | £501 | £10,521 |
| 95 | £10,521 | £10,521 | £0 | £0 |
How this calculator works
Each year we take your withdrawal from the pot, then grow what's left at the rate you set. The next year's withdrawal rises with inflation. The model is deterministic - it does not account for the year-to-year volatility of real markets, which can have a much bigger impact than averages suggest. UK research like the Morningstar State of Retirement Income points to a sustainable starting withdrawal rate closer to 3.7-3.9% than the classic US 4% rule.