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

GAD rates

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