Retirement Drawdown Calculator UK

How long will my retirement pot last?

Model withdrawal rates, growth and State Pension timing — drawdown calculator

Whether you're already retired or modelling early retirement (FIRE), this tool shows how long a pot lasts under different withdrawal rates, growth assumptions, and State Pension scenarios. Enter your numbers and use the scenario buttons to stress-test the plan.

Your Retirement Pot

Current pot size

Monthly withdrawal

Your age now

State Pension age — depends on date of birth, check gov.uk

Annual State Pension — check your personal forecast at gov.uk

Investment growth rate 4.00%

Assumed inflation 2.50%

Model a scenario

Base case Spend £200/mo less +1% growth rate No State Pension

Methodology: Growth rate is applied net of inflation (real return). Withdrawals are in today's money. State Pension reduces required drawdown from the pot from the year it begins.

Pot lasts until age

—

Years of income

—

Total State Pension received

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