Pension drawdown calculator

How long a pot lasts while invested.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Pot

Yearly withdrawal

Return

4.5%

Inflation

2.5%

Pot lasts

22 years

First-year draw rate

5.67%

With these inputs, pot lasts comes to 22 years. First-year draw rate works out to 5.67%. The result assumes return stays at 4.5%.

What moves the number · Pot lasts

Input	−10%	Now	+10%
Pot	19 years	22 years	25 years
Yearly withdrawal	25 years	22 years	19 years
Return	21 years	22 years	23 years
Inflation	22 years	22 years	21 years

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

How long a pot lasts while invested.

With the defaults above, pot lasts works out at 22 years.