Free tool
Retirement income calculator
UK 2025/26 pension & ISA drawdown with investment growth, tax bands and lifetime totals — a complete financial model running live in your browser. A portfolio piece from our interactive-tools work; a guide only, not financial advice.
£500,000
£500,000
25 years
£0
No change
Investment growth assumptions
5.0%/yrBalanced 60/40 fund: ~5–7% nominal
5.0%/yrBalanced 60/40 fund: ~5–7% nominal
Include state pension
+£11,502/yr — full new state pension 2025/26
Take 25% tax-free lump sum (PCLS)
25% upfront tax-free · rest drawn from remaining pension pot
Keep pension pot flat
Draw only the growth each year — pot stays at starting value forever
Keep ISA pot flat
Draw only the growth each year — pot stays at starting value forever
Tax-free pension lump sum
£125,000
ISA at retirement
£500,000
Annual income — year 1
Pension drawdown
£0
ISA drawdown
£0
Monthly take-home
£0
Income tax
£0
Effective rate
0.0%
Tax band breakdown
Pot balance over retirement
Pension balanceISA balance
Lifetime totals
Total pension drawn
£0
Total ISA drawn
£0
Total tax paid
£0
Total tax-free received
£0
Investment growth earned
£0
Investment returns are not guaranteed and are shown in nominal terms before inflation. "Flat pot" mode draws exactly the annual growth each year — the pot principal is preserved indefinitely. 2025/26 UK income tax. Personal allowance £12,570 (tapers above £100k). Basic rate 20% to £50,270 · Higher rate 40% to £125,140 · Additional rate 45% above. No NI on pension income. PCLS capped at £268,275. UFPLS route: 25% of each pension withdrawal is tax-free. ISA withdrawals are always fully tax-free and do not count as taxable income. This is a guide only — not financial advice.
Why is a software consultancy hosting this?
Because it shows, better than any brochure, what "interactive tools" means: a real model — tax bands, compound growth, binary-search drawdown solving — running instantly in the page. We build this class of tool for clients' own sites and products: calculators, configurators, estimators, quoting engines. Tell us what yours should model, or try the chart builder and ROI calculator.