Optional separate calculation

Local tax adjuster

Start with the monthly freedom income carried across from the main calculator. Add your own rough tax-free allowance and rate to estimate the gross monthly portfolio withdrawal that may be needed.

This is only a rough illustration.

It uses one annual tax-free allowance and one tax rate. It does not model progressive bands, income tax, capital-gains tax, dividends, pension rules, tax-free accounts, regional taxes or interactions with other income.

Your local assumptions

Desired monthly income after your tax estimate

This is populated from the freedom number on the main calculator.

Annual tax-free allowance

Enter zero if no allowance applies or you do not want to model one.

Tax rate above that allowance

Use a rough rate suitable for your own circumstances.

Estimated gross monthly withdrawal £5,000

Based on £60,000 desired annual income, a £0 allowance and a 0% rate.

This gross figure can be sent back as the monthly freedom income used by the main projection.

Return to calculator

Tax law and personal circumstances change. Check your assumptions with an official local calculator or a suitably qualified tax professional. No information is sent to a server.