Drawdown Planner — Ian & Michelle
Inputs
Start year
End year
Ian (TP)
Ian TP fund value (£)
Ian TP income 1 (annual £)
Income 1 start year
Income 1 end year
Escalate income 1 by inflation each year
Ian TP income 2 (annual £)
Income 2 start year
Ian Final salary (annual £)
Michelle (RL / personal)
Michelle RL fund value (£)
Michelle RL income (annual £)
Michelle Final Salary SMBC annual (£)
Assumptions
Fund growth rate (annual %, applied to funds)
Inflation / CPI (annual %, used to calculate Ian's TP income 2 escalator & FS increases)
Ian & Michelle State Pension (annual £ each)
Income type for tax-free handling
1 — take 25% tax-free first (depletes tax-free reserve)
2 — tax-free portion included each year (25% of each year's withdrawal)
Tax rule (apply flat %)
Calculate
Reset charts
Notes: Ian's
income 2
escalates each year from its start date at the inflation rate entered. You can optionally escalate
income 1
. The inputs column will remain visible while you scroll the table/chart.
Results table
Monthly figures shown where indicated
Fund & Income charts
Income composition year:
Chart:
Pie
Bar
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Income composition
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