Income projection
Model the annual income your portfolio could sustainably generate, rising with inflation each year, with a clear view of tax liability and real purchasing power over time.
The withdrawal amount is set in year 1 and rises with inflation each year — preserving real purchasing power. The portfolio value reflects growth less the inflation-linked withdrawal drawn each year. Real value is the portfolio deflated by cumulative inflation. For illustrative purposes only — actual returns will vary and are not guaranteed.
Income up to the tax-free threshold % of the portfolio is assumed to be tax-free (e.g. under a bond's 5% chargeable event allowance). Income above the threshold is taxed at the rate shown. The withdrawal amount rises with inflation each year. This calculator is for illustrative purposes only and does not constitute financial advice. Tax treatment depends on individual circumstances and is subject to change.