Retirement Drawdown Calculator
Model how long your pension pot will last in retirement. Enter your savings, withdrawal rate, and expected returns to see a year-by-year projection.
Learn how this calculator works →Your numbers
You have a pot. We model how long it lasts.
Real return: 2.4% - All figures in today's money.
What happens to my data?
Pot longevity
Your pot lasts 27 years
Depleted at age 82
Based on £25,000/year from a £500,000 pot
Withdrawal rate
5.0%
of starting pot per year
2.4%
real return (after inflation)
Above the 4% rule - the 4% rule suggests withdrawing no more than 4% of your initial pot each year (adjusted for inflation) for a high chance of lasting 30+ years.
Pot balance over time
Year-by-year schedule
Important: Not Financial Advice
This calculator is provided for educational and illustrative purposes only. Freedom Isn't Free is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide financial advice, investment recommendations, or tax guidance.
The projections shown are hypothetical, assume a constant rate of return, and do not account for inflation, taxes, or fees. Actual investment returns vary and you may get back less than you invest. Past performance is not a reliable indicator of future results.
Before making any financial decisions, please consult with an independent financial adviser regulated by the FCA. For help finding an adviser, visit MoneyHelper or Unbiased.
Where links to financial products appear on this page, some may be affiliate links. See our full disclaimer for details.
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