Draw an income from a pot and see when it runs out — as planned, with a poor first decade, and with lower growth.
What you enter: age now · pension pot · income wanted after tax (today's money) · growth % a year · inflation % · state pension a year.
Money Horizon › Calculators › Pensions
Pot longevity
How long will my pot last?
Worked example
How long will my pot last — an example
Inputs
- Age now
- 65
- Pension pot
- £400,000
- Income wanted after tax (today's money)
- £25,000
- Growth % a year
- 4%
- Inflation %
- 2.5%
- State pension a year
- £12,000
Result
- As planned
- runs out at 95
- Poor first decade of returns
- runs out at 87
- Growth 2 points lower
- runs out at 89
- Years short of income before 95
- 1
- Income the pot could sustain
- £25,000 a year
How it is worked out. The plan's withdrawal solver draws the income after tax each year (25% of each withdrawal tax-free), with the state pension from state pension age, to age 95.
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Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser. Calculators use the 2026-27 rules; figures are estimates.