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
December 2025 - 4.75%		January 2026 - 4.75%
23, 24, or 25	48	23, 24, or 25	48
26	48	26	48
27	49	27	49
28	49	28	49
29	49	29	49
30	49	30	49
31	49	31	49
32	50	32	50
33	50	33	50
34	50	34	50
35	50	35	50
36	51	36	51
37	51	37	51
38	51	38	51
39	51	39	51
40	52	40	52
41	52	41	52
42	53	42	53
43	53	43	53
44	53	44	53
45	54	45	54
46	54	46	54
47	55	47	55
48	55	48	55
49	56	49	56
50	56	50	56
51	57	51	57
52	58	52	58
53	58	53	58
54	59	54	59
55	60	55	60
56	61	56	61
57	62	57	62
58	63	58	63
59	64	59	64
60	65	60	65
61	66	61	66
62	67	62	67
63	68	63	68
64	70	64	70
65	71	65	71
66	73	66	73
67	75	67	75
68	76	68	76
69	78	69	78
70	81	70	81
71	83	71	83
72	86	72	86
73	88	73	88
74	92	74	92
75	95	75	95
76	99	76	99
77	102	77	102
78	109	78	109
79	114	79	114
80	120	80	120
81	127	81	127
82	134	82	134
83	142	83	142
84	150	84	150
85 or over	159	85 or over	159

GAD rates

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