TL;DR
Retirement Drawdown: pot empty in year 29 is £0 — Below £25,000/yr withdrawals.
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Retirement Drawdown

Will your pot last? Stress-test withdrawals in retirement

Pot Empty in Year 29
£0
Below £25,000/yr withdrawals
Withdrawal Rate
5.0%
Total Withdrawn
£1,097,568
Final Pot
£0
Pot Lasts
29 yrs
Quick context
Read full guide: Retirement Drawdown →
  • The 4% rule: withdraw 4% of starting pot, inflation-linked — historically lasts 30+ years in ~95% of cases.
  • A bad first 5 years of returns hurts a retiree disproportionately — same average, very different outcomes.
  • Mitigations: hold 1–3 years of cash, build a bond tent near retirement, or flex withdrawals down in bad years.
Stress test
What if the world changes? Toggle a scenario.
simulator
New pot empty in year 29
£0
Δ vs baseline
+£0
Real value 1yr out
£0
@ 2.5% CPI
Today£0
Now£0
Current plan. Scenario figures are illustrative — they scale your current calculation rather than re-running every band. Useful for direction, not for filing.
£
In today's money — auto inflation-linked
£
yrs
Expected portfolio return
%
%

Pot balance over time

Y0Y6Y12Y18Y24Y30
⚠ Pot runs out in year 29. Your withdrawal rate is 5.00%. The classic 4% rule suggests under ~4% has historically lasted 30+ years.
Watch & learn
Safe Withdrawal Rates in Retirement
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Safe Withdrawal Rates in Retirement

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