How much tax on your pension withdrawal?
Model a SIPP or pension drawdown for the 2026/27 tax year: take 25% tax-free, then see the income tax on the rest, what you’re left with, and your effective rate.
Gross amount taken from the pension
Salary, State Pension, other pensions
Income tax
£3,486
on this withdrawal
You receive
£36,514
after tax
Effective rate
8.7%
of the withdrawal
How it breaks down
The taxable portion is added on top of your other income, so a large one-off withdrawal can be taxed at a higher rate than your normal band. Spreading withdrawals across tax years often lowers the total tax.
Plan your drawdown, tax and all
Northing models how to fund your retirement spending across ISAs and pensions tax-efficiently — using your real pots, the live tax bands and the State Pension — so you can see the most tax-efficient way to draw.
Free to start · No bank logins · UK-built
Common questions
Figures use the 2026/27 tax year. This tool gives estimates for guidance only and is not financial or tax advice. It uses England, Wales and Northern Ireland income tax bands and assumes the withdrawal falls in a single tax year. Always verify the current rules on GOV.UK: Tax when you get a pension. Northing accepts no liability for decisions made on the basis of these estimates.