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
August 2026 - 5.25%		September 2026 - 5.25%
23, 24, or 25	57	23, 24, or 25	57
26	58	26	58
27	58	27	58
28	58	28	58
29	58	29	58
30	58	30	58
31	58	31	58
32	58	32	58
33	59	33	59
34	59	34	59
35	59	35	59
36	59	36	59
37	59	37	59
38	60	38	60
39	60	39	60
40	60	40	60
41	61	41	61
42	61	42	61
43	61	43	61
44	62	44	62
45	62	45	62
46	62	46	62
47	63	47	63
48	63	48	63
49	64	49	64
50	64	50	64
51	65	51	65
52	65	52	65
53	66	53	66
54	66	54	66
55	67	55	67
56	68	56	68
57	69	57	69
58	69	58	69
59	70	59	70
60	71	60	71
61	72	61	72
62	73	62	73
63	74	63	74
64	75	64	75
65	77	65	77
66	78	66	78
67	80	67	80
68	82	68	82
69	83	69	83
70	85	70	85
71	88	71	88
72	90	72	90
73	93	73	93
74	96	74	96
75	99	75	99
76	102	76	102
77	106	77	106
78	110	78	110
79	115	79	115
80	120	80	120
81	126	81	126
82	132	82	132
83	139	83	139
84	147	84	147
85 or over	155	85 or over	155

GAD rates

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