Freedom Isn’t Free UK Personal Finance
Pensions
Pension Calculator UK: What Your Pot Really Pays
As a rough rule, a pension pot safely provides about 4% a year. A GBP 300,000 pot gives around GBP 12,000 a year before the State Pension, which adds GBP 12,548 more. Our calculator projects your pot; this guide turns that pot into a monthly income in today money.
What a UK pension pot pays in retirement (drawdown, today money)
| Pension pot | At 4% a year | At 3.5% a year (cautious) |
|---|---|---|
| GBP 100,000 | GBP 4,000/yr (GBP 333/mo) | GBP 3,500/yr (GBP 292/mo) |
| GBP 150,000 | GBP 6,000/yr (GBP 500/mo) | GBP 5,250/yr (GBP 438/mo) |
| GBP 200,000 | GBP 8,000/yr (GBP 667/mo) | GBP 7,000/yr (GBP 583/mo) |
| GBP 300,000 | GBP 12,000/yr (GBP 1,000/mo) | GBP 10,500/yr (GBP 875/mo) |
| GBP 500,000 | GBP 20,000/yr (GBP 1,667/mo) | GBP 17,500/yr (GBP 1,458/mo) |