Pension Drawdown Comparison
Compare four drawdown strategies side by side
Fund Balance Over Time
How your pension fund value changes under each strategy
Sustainable Withdrawal Rate
Based on your fund of £300,000, an expected return of 5%, and inflation at 2.5%, the maximum annual withdrawal rate that your fund can sustain over 30 years (with inflation-linked increases) is approximately 4.6%.
That equates to roughly £13,860 per year in today's terms.
The sustainable withdrawal rate is calculated assuming inflation-linked withdrawals using a binary search method. Actual sustainability depends on sequence of returns, platform charges, and tax position.
Year-by-Year Summary
Showing Level strategy
| Year | Start Balance | Gross Withdrawal | Tax | Net Income | End Balance |
|---|---|---|---|---|---|
| 1 | £300,000 | £15,000 | £0 | £15,000 | £299,250 |
| 4 | £297,636 | £15,000 | £0 | £15,000 | £296,767 |
| 7 | £294,899 | £15,000 | £0 | £15,000 | £293,894 |
| 10 | £291,730 | £15,000 | £0 | £15,000 | £290,567 |
| 13 | £288,062 | £15,000 | £0 | £15,000 | £286,715 |
| 16 | £283,816 | £15,000 | £0 | £15,000 | £282,257 |
| 19 | £278,901 | £15,000 | £0 | £15,000 | £277,096 |
| 22 | £273,211 | £15,000 | £0 | £15,000 | £271,121 |
| 25 | £266,624 | £15,000 | £0 | £15,000 | £264,205 |
| 28 | £258,998 | £15,000 | £0 | £15,000 | £256,198 |
| 30 | £253,258 | £15,000 | £0 | £15,000 | £250,171 |
Get a Personalised Drawdown Plan
Your adviser can model exact charges from specific providers like Transact, Aviva, Standard Life, and Quilter — often with negotiated platform fees that beat DIY rates. Get in touch for a personalised drawdown plan.
Message your adviserThese projections are based on simplified assumptions and do not constitute financial advice. Investment returns are not guaranteed and can go down as well as up. Tax treatment depends on individual circumstances and may change. The sustainable withdrawal rate is an approximation — actual outcomes depend on the sequence of investment returns, platform charges, and your personal tax position. Always seek advice from a qualified financial adviser before making pension decisions.