How long will a £200,000 pension pot last — the four percent comes alive.

£200,000 at the 4% rule produces £8,000/year of sustainable income. Combined with the full state pension's £11,502, that's £19,500/year before tax — comfortably above the PLSA 'minimum' retirement standard but still below 'moderate'. For someone retiring at state pension age the pot is genuinely sustainable, with most simulations showing the pot lasting 30+ years at this withdrawal rate. The interesting use case is bridging: someone retiring at 57 (the new minimum pension access age from 2028) can typically draw £14-16k/year and bridge a full decade to state pension, then drop their drawdown rate back to a sustainable level once the state pension covers the basics. Use the calculator below to model your specific bridge scenario.