GAD Tables | Capped Drawdown

The maximum annual capped drawdown pension income is determined with reference to the value of the member’s fund that is being used for capped drawdown (‘capped drawdown fund’), the member’s age and the relevant GAD rate.

The relevant GAD rate, which will depend on the UK medium/long dated gilt yield at that time, is used to calculate the amount of ‘basic pension’ that can be drawn for each £1,000 of the member’s capped drawdown fund. For example, if the GAD rate for a member is £53 per £1000 and their capped drawdown fund is £100,000, their basic pension would be £5,300 p.a. This is then uprated by 150% to give a maximum capped drawdown pension income of £7,950 p.a., which will need to be recalculated every three years up to age 75 and annually thereafter.

For more information please view the Gov.UK website.

Age	£	Age	£
Government Actuary’s Department (GAD) table
June 2025 - 5.00%		July 2025 - 4.75%
23, 24, or 25	46	23, 24, or 25	48
26	51	26	48
27	51	27	49
28	51	28	49
29	51	29	49
30	51	30	49
31	51	31	49
32	52	32	50
33	52	33	50
34	52	34	50
35	52	35	50
36	53	36	51
37	53	37	51
38	53	38	51
39	53	39	51
40	54	40	52
41	54	41	52
42	54	42	53
43	55	43	53
44	55	44	53
45	56	45	54
46	56	46	54
47	57	47	55
48	57	48	55
49	58	49	56
50	58	50	56
51	59	51	57
52	60	52	58
53	60	53	58
54	61	54	59
55	62	55	60
56	63	56	61
57	63	57	62
58	64	58	63
59	65	59	64
60	66	60	65
61	68	61	66
62	69	62	67
63	70	63	68
64	72	64	70
65	73	65	71
66	75	66	73
67	76	67	75
68	78	68	76
69	80	69	78
70	82	70	81
71	85	71	83
72	87	72	86
73	90	73	88
74	93	74	92
75	97	75	95
76	101	76	99
77	104	77	102
78	111	78	109
79	116	79	114
80	122	80	120
81	129	81	127
82	136	82	134
83	144	83	142
84	152	84	150
85 or over	161	85 or over	159

GAD rates

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