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
March 2025 - 5.00%		April 2026 - 5.00%
23, 24, or 25	55	23, 24, or 25	55
26	55	26	55
27	56	27	56
28	56	28	56
29	56	29	56
30	56	30	56
31	56	31	56
32	56	32	56
33	56	33	56
34	57	34	57
35	57	35	57
36	57	36	57
37	57	37	57
38	58	38	58
39	58	39	58
40	58	40	58
41	58	41	58
42	59	42	59
43	59	43	59
44	60	44	60
45	60	45	60
46	60	46	60
47	61	47	61
48	61	48	61
49	62	49	62
50	62	50	62
51	63	51	63
52	63	52	63
53	64	53	64
54	65	54	65
55	65	55	65
56	66	56	66
57	67	57	67
58	67	58	67
59	68	59	68
60	69	60	69
61	70	61	70
62	71	62	71
63	72	63	72
64	74	64	74
65	75	65	75
66	76	66	76
67	78	67	78
68	80	68	80
69	82	69	82
70	84	70	84
71	86	71	86
72	88	72	88
73	91	73	91
74	94	74	94
75	97	75	97
76	100	76	100
77	104	77	104
78	108	78	108
79	113	79	113
80	118	80	118
81	124	81	124
82	130	82	130
83	137	83	137
84	145	84	145
85 or over	154	85 or over	154

GAD rates

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