--- title: Pension Drawdown Calculator description: Welcome to Oros Consultancy image: https://www.oros-consultancy.co.uk/hubfs/oros%20image.jpg --- [Skip to content](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1#main-content) ![OROS Master Logo](https://www.oros-consultancy.co.uk/hubfs/OROS%20Master%20Logo.svg)Homepage - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator?hsLang=en-gb) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator?hsLang=en-gb) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator?hsLang=en-gb) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator?hsLang=en-gb) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) ![iStock-174074134 Large](https://www.oros-consultancy.co.uk/hs-fs/hubfs/iStock-174074134%20Large.jpeg?width=1280&height=853&name=iStock-174074134%20Large.jpeg) ## Pension Drawdown Calculator Plan your retirement income with clarity and confidence. Our UK pension drawdown calculator models how far your pot will stretch — accounting for tax, inflation, growth assumptions, and your tax-free cash entitlement — so you can make informed decisions before committing to a drawdown strategy. [Explore more](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1#callback) # Understand exactly what your pension can deliver ### Your drawdown strategy could be the most consequential financial decision of your retirement Pension drawdown gives you flexibility, but it comes with real complexity. Tax on withdrawals, the effect of inflation on your purchasing power, and the risk of depleting your pot too early are all variables that need careful modelling — not guesswork. This calculator uses current UK tax bands (2025–26) across all regions and gives you a transparent, detailed estimate so you can stress-test your assumptions before speaking to a professional. - How long your pension pot is projected to last at your chosen withdrawal rate - Your estimated income tax on pension withdrawals, year by year - The impact of taking your 25% tax-free cash (PCLS) upfront versus drawing it gradually - How inflation erodes your real income over a 10, 20 or 30-year horizon ## UK Pension Drawdown Calculator (with tax estimate) Starting pension pot (£) Time horizon (years) Gross withdrawal (£) Withdrawal frequency Monthly Annual Expected annual growth (%) Inflation (%) Other taxable income (per year, £) Tax region England/Wales/N. Ireland Scotland Increase withdrawals with inflation Stop when pot reaches £0 Take 25% tax-free cash upfront (PCLS) PCLS percentage (% of pot, up to 25) PCLS cap to apply (optional, £) Reset ### Results PCLS tax-free cash (if selected) — — Estimated net income (year 1) — — Pot at end of horizon — — Total withdrawn (gross → net) — — Pot lasts (approx.) — — UK tax estimate uses 2025–26 bands (rUK or Scotland), includes Personal Allowance and taper above £100k. It does not include pension provider emergency tax codes, fees, state pension rules, or benefits interactions. Pension income is assumed to have no NI. About us ## About Oros --- #### Our mission is to provide individual investors with institutional and professional investor level access, and to give independent business owners the same tools as national corporates. #### We want an even playing field. 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