UK private pension calculator
How far will your pension stretch?
Work out how long a SIPP or workplace defined-contribution pot could last in drawdown — and what inflation-linked income it can support — using 2026/27 UK tax and State Pension rates.
Published by Upcott Studios.
How far the pot stretches
Lasts until age 91
That is 4 years short of age 95. A sustainable, inflation-linked income to that age is about £26,364 a year.
Pot at retirement
£734,897
£426,876 in today's pounds
Tax-free lump sum
£183,724
25% crystallised at retirement
First-year net income
£41,077
Private withdrawal plus State Pension, after income tax
Sustainable income
£26,364
Inflation-linked, lasting to age 95
Withdrawal rate
4.3%
Sustainable private withdrawal as a share of the invested pot
4% rule income
£22,047
Classic starting withdrawal of the invested pot, not inflation-tested here
- At this withdrawal rate the invested pot runs out around age 91. State Pension, if included, would continue.
Fund over time
Level annuity
£34,173
£34,173 from the remaining pot at 6.2%, before State Pension. Income does not rise with inflation.
Inflation-linked annuity
£20,945
£20,945 starting income at 3.8%. Lower starting income, payments designed to keep pace with prices.
Market shock
If the invested pot fell 20% at the point of retirement (sequence-of-returns risk), the pot would run out around age 85.
First retirement year
- Private withdrawal
- £26,602
- State Pension
- £21,602
- Taxable income
- £48,204
- Income tax
- £7,127