England SIPP Withdrawal Tax Calculator
Calculate SIPP withdrawal tax and plan your retirement
UK SIPP Information
- You can usually access your SIPP from age 55 (rising to 57 by 2028).
- 25% of your withdrawal is tax-free. The rest is taxed as income.
- No mandatory withdrawals (no RMDs).
- See HMRC guidance.
Understanding UK SIPPs and Tax
A Self-Invested Personal Pension (SIPP) is a flexible, tax-efficient way to save for retirement in the UK. SIPPs allow you to choose how your pension is invested, and offer generous tax relief on contributions.
How SIPP Withdrawals Are Taxed
- From age 55 (rising to 57 in 2028), you can start withdrawing funds.
- The first 25% of your pension pot is tax-free.
- The remaining 75% is taxed as income based on your regional income tax bands (England, Scotland, Wales, or Northern Ireland).
Our calculator helps you estimate how much of your withdrawal will be tax-free, how much is taxable, and the expected income tax based on your region.
Who Should Use This?
This tool is ideal for UK residents approaching retirement or individuals abroad who still have a UK pension. If you're planning lump sum withdrawals or considering phased drawdown, this calculator provides valuable tax insights.
Related Articles
What Is a SIPP? A Beginner’s Guide to Self-Invested Personal Pensions
What is Sipp? A Self-Invested Personal Pension (SIPP) offers more control and flexibility than traditional pensions, letting you choose where your retirement money is invested — from shares and ETFs to commercial property. Whether you're self-employed, consolidating old pensions, or just want to take charge of your financial future, this beginner’s guide explains how SIPPs work, their tax benefits, risks, and how to get started.
How to Manage Your SIPP Portfolio: Tips for DIY Investors
Taking control of your retirement savings through a SIPP can be empowering — but managing your own portfolio requires careful planning. This guide offers practical tips for DIY investors on building a diversified portfolio, managing risk, rebalancing, and maximising tax relief, so you can stay on track for a confident retirement.
SIPP Investment Options Explained: What You Can and Can’t Hold
A Self-Invested Personal Pension (SIPP) offers a wide range of investment choices — from shares and funds to commercial property. But not everything is allowed. This guide explains what you can and can’t hold in a SIPP, including key restrictions like residential property, crypto, and personal assets. Make smarter retirement decisions by understanding the full list of permitted investments.
Best UK SIPP Platforms for 2025: Fees, Features and Comparison
Looking for the best UK SIPP provider in 2025? Whether you're a DIY investor or prefer a fully managed pension, this guide compares the top SIPP platforms by fees, features, and investment flexibility. We break down AJ Bell, Vanguard, Interactive Investor, Hargreaves Lansdown, and more—so you can confidently choose the right platform to grow your retirement savings.
Can I Transfer My SIPP to Another Country? QROPS and Beyond
Thinking about moving abroad or retiring overseas? Discover whether you can transfer your UK SIPP to another country, how QROPS work, when the 25% Overseas Transfer Charge applies, and whether it’s better to keep your pension in the UK. This guide breaks down your options, tax implications, and key risks for expats.
Double Taxation and SIPPs: What If You Retire Abroad?
Planning to retire abroad with a SIPP? Learn how double taxation works, which countries have UK tax treaties, and how to avoid being taxed twice on your pension income when living overseas.
Region Selector
Currently Selected
No region selected yet
Change Region
Search or browse to select a different region. You'll be redirected to the same calculator for the new region.