How long will a £750,000 pension pot last — comfortable retirement, complex decisions.

£750,000 produces £30,000/year at the 4% safe withdrawal rate. Combined with the full state pension's £11,502, that's £41,500/year — above the PLSA 'moderate' standard and approaching 'comfortable' for an individual. At this pot size, most historical simulations show drawdown sustainability indefinitely. The interesting decisions are no longer about whether the pot will last but about tax efficiency: the 25% tax-free lump sum is capped at £268,275, so a £750k pot can give you up to £187,500 tax-free up front. The remainder is taxed as income on drawdown, which means careful sequencing matters — drawing too much in any single year can push you into higher rate or above. Adjust the income slider below to see how marginal income tax bands intersect with your drawdown plan.