How long will a £50,000 pension pot last — modest pot, careful drawdown.
How long does a £50,000 pension pot last in retirement? See realistic income scenarios with the 4% rule, state pension top-up, and depletion warnings.
£50,000 is a small pot to fund retirement on its own — at the 4% safe withdrawal rate it produces just £2,000/year, which won't get anyone close to a comfortable lifestyle. The reality for savers with this much in private pensions is that the state pension does most of the work: the full new state pension is £11,502/year, and the £50k pot adds maybe £2-3k of supplementary income. The question this calculator helps answer is whether you can stretch the pot through any years before state pension age (currently 67) without running it dry. If you're retiring in your early-to-mid 60s with a £50k pot, taking around £4-5k/year is sustainable for 10-15 years — long enough to bridge to state pension if you stop work in your mid-50s.