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Income tax, done right
2026/27 UK tax bands — Personal Allowance, basic, higher and additional rate — applied automatically to work out your gross withdrawal from a net target.
UK · Defined Contribution Pensions
Tell us the income you need. We'll work out the withdrawal.
DrawTarget is a UK pension drawdown calculator that works backwards from your target retirement income — not forwards from a withdrawal percentage you're supposed to already know.
DrawTarget · try it free, no download
£
£
Estimated net income£0
Required withdrawal£0
Tax-free lump sum£0
Calculator only - not financial advice. Illustrative estimates using 2026/27 rates for England, Wales & NI, assuming no other income, no growth and no inflation. The developer is not FCA-authorised, and DrawTarget is not connected to Pension Wise, MoneyHelper or the UK government. Full terms.
The problem
Most drawdown calculators ask the wrong question first.
The usual way
"What withdrawal rate do you want — 3%? 4%?"
A question most people approaching retirement can't actually answer, because it isn't how they think about their own money.
DrawTarget's way
"How much income do you need this year?"
A question anyone can answer immediately. We work backwards from there — the withdrawal, the tax, the tax-free lump sum, and how long the pot lasts follow automatically.
A real example
Someone who needs £25,000 a year sees this.
Estimated Net Income
£25,000
Matches the target exactly
Required Withdrawal
£27,430
Gross, before tax
Tax-Free Lump Sum
£31,250
25% of this pot, tax-free
What it works out for you
Included free →
Included free →
Unlock with Pro →
Unlock with Pro →
Unlock with Pro →
Every UK-specific detail, handled correctly.
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Tax-free lump sum (PCLS)
25% of each pot, correctly capped against the £268,275 Lump Sum Allowance across all your pensions combined.
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MPAA & Month-1 warnings
Flags the irreversible drop in your annual contribution limit, and the emergency-tax risk on your very first withdrawal — before you're caught out by either.
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Multiple pots
Most people approaching retirement have more than one pension pot from different employers. Add them all and see one combined result.
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PDF summary
A clean, shareable summary you can save, send to a partner, or bring to an FCA-regulated adviser.
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Scenario comparison
Compare two or three income targets side by side, so "what if I needed a bit more?" has an actual answer.
Pricing
Pay once. Own it. No subscription, ever.
Some retirement planning apps charge a monthly fee that adds up to more than the app itself is worth in a year. DrawTarget doesn't.
DrawTarget Free
£0
no card, no account
- Single pot calculation
- Full tax & PCLS logic
- MPAA & Month-1 warnings
DrawTarget Pro
£12.99
one-time, forever
- Multiple pots
- PDF export
- Scenario comparison
Privacy
Nothing you type ever leaves your device. No account, no sign-up, no analytics, no ad tracking. Every calculation happens entirely on-device — DrawTarget makes no network connections at all.