How long will a £75,000 pension pot last — explore a monthly income.
Compare fixed and rising withdrawals, growth and fees, with a year-by-year pension drawdown illustration. Gross figures; no safe-rate guarantee.
With £75,000 before cash, the 25% setting illustrates £18,750 of initial cash and £56,250 remaining invested, assuming unused standard allowances. A first-year withdrawal equal to 4% of that remaining pot is £2,250 gross. The percentage is an arithmetic example, not a recommended withdrawal rate. With no net growth and unchanged withdrawals, that invested balance funds 25 years; fees, changing returns and rising withdrawals change the outcome. Compare your chosen assumptions below. State Pension and withdrawal tax are excluded.
How long might a £75,000 pension last?
The outcome depends on withdrawals, fees and investment returns. Compare fixed and increasing gross withdrawals below. A pot lasting to age 100 in this constant-return model does not establish a safe rate or a guaranteed income.
How much initial cash does this illustration allow?
At the 25% setting, the model deducts £18,750 from the £75,000 pot. It assumes unused standard allowances and scheme entitlement; previous cash and protected rights are not modelled.