How long will a £75,000 pension pot last — the bridge years matter most.
How long does a £75,000 pension pot last in drawdown? Model income scenarios with 4% rule comparison, state pension bridge, and depletion warnings.
£75,000 produces £3,000/year at the 4% safe withdrawal rate — meaningful as a top-up to the state pension but not as a primary income. The most useful thing this calculator can do for a £75k pot is show you how long you can sustain higher withdrawals during the years between early retirement and state pension age. If you're 60 and want to retire now, drawing £8,000/year from £75k can typically last 12-13 years at moderate growth — long enough to bridge to age 72-73, well past the current state pension age of 67. After that, the state pension takes over the bulk of your income, and the remaining pot becomes a smaller top-up. This 'bridging' use case is where smaller pots earn their keep.