UK retirement plan backwards from age 100

	A	B	C	D	E	F	G	H	I	J
1		real return after costs	1.015				net spend	tax allow	BR IT	Ignoring 25% TFLS
2							25000	11500	0.2	adjust BR IT if you like
3					from pension
4	year	age Jan 1	pension pot	isa total	propotion	amount	tax	gross spend	spend from ISA
5
6	2017	52	£616,244.39	£290,492.67	0	0	0	25000	25000
7	2018	53	£625,488.06	£269,475.06	0	0	0	25000	25000
8	2019	54	£634,870.38	£248,142.19	0	0	0	25000	25000
9	2020	55	£644,393.44	£226,489.32	0	0	0	25000	25000
10	2021	56	£633,759.34	£223,086.16	0.8	20000	1700	26700	6700
11	2022	57	£622,965.73	£219,631.95	0.8	20000	1700	26700	6700
12	2023	58	£612,010.21	£216,125.93	0.8	20000	1700	26700	6700
13	2024	59	£600,890.37	£212,567.32	0.8	20000	1700	26700	6700
14	2025	60	£589,603.72	£208,955.33	0.8	20000	1700	26700	6700
15	2026	61	£578,147.78	£205,289.16	0.8	20000	1700	26700	6700
16	2027	62	£566,520.00	£201,568.00	0.8	20000	1700	26700	6700
17	2028	63	£554,717.80	£197,791.02	0.8	20000	1700	26700	6700
18	2029	64	£542,738.56	£193,957.38	0.8	20000	1700	26700	6700
19	2030	65	£530,579.64	£190,066.24	0.8	20000	1700	26700	6700
20	2031	66	£518,238.34	£186,116.74	0.8	20000	1700	26700	6700
21	2032	67	£505,711.91	£182,107.99	0.8	20000	1700	26700	6700
22	2033	68	£492,997.59	£178,039.11	0.8	20000	1700	26700	6700
23	2034	69	£480,092.55	£173,909.19	0.8	20000	1700	26700	6700
24	2035	70	£466,993.94	£169,717.33	0.8	20000	1700	26700	6700
25	2036	71	£453,698.85	£165,462.59	0.8	20000	1700	26700	6700
26	2037	72	£440,204.33	£161,144.03	0.8	20000	1700	26700	6700
27	2038	73	£426,507.40	£156,760.69	0.8	20000	1700	26700	6700
28	2039	74	£412,605.01	£152,311.60	0.8	20000	1700	26700	6700
29	2040	75	£398,494.08	£147,795.77	0.8	20000	1700	26700	6700
30	2041	76	£384,171.50	£143,212.21	0.8	20000	1700	26700	6700
31	2042	77	£369,634.07	£138,559.89	0.8	20000	1700	26700	6700
32	2043	78	£354,878.58	£133,837.79	0.8	20000	1700	26700	6700
33	2044	79	£339,901.76	£129,044.86	0.8	20000	1700	26700	6700
34	2045	80	£324,700.28	£124,180.03	0.8	20000	1700	26700	6700
35	2046	81	£309,270.79	£119,242.23	0.8	20000	1700	26700	6700
36	2047	82	£293,609.85	£114,230.37	0.8	20000	1700	26700	6700
37	2048	83	£277,714.00	£109,143.32	0.8	20000	1700	26700	6700
38	2049	84	£261,579.71	£103,979.97	0.8	20000	1700	26700	6700
39	2050	85	£245,203.40	£98,739.17	0.8	20000	1700	26700	6700
40	2051	86	£228,581.45	£93,419.76	0.8	20000	1700	26700	6700
41	2052	87	£211,710.18	£88,020.56	0.8	20000	1700	26700	6700
42	2053	88	£194,585.83	£82,540.36	0.8	20000	1700	26700	6700
43	2054	89	£177,204.62	£76,977.97	0.8	20000	1700	26700	6700
44	2055	90	£159,562.69	£71,332.14	0.8	20000	1700	26700	6700
45	2056	91	£141,656.13	£65,601.62	0.8	20000	1700	26700	6700
46	2057	92	£123,480.97	£59,785.14	0.8	20000	1700	26700	6700
47	2058	93	£105,033.18	£53,881.42	0.8	20000	1700	26700	6700
48	2059	94	£86,308.68	£47,889.14	0.8	20000	1700	26700	6700
49	2060	95	£67,303.31	£41,806.98	0.8	20000	1700	26700	6700
50	2061	96	£48,012.86	£35,633.59	0.8	20000	1700	26700	6700
51	2062	97	£68,680.84	£29,367.59	0.8	20000	1700	26700	6700
52	2063	98	£49,411.05	£23,007.60	0.8	20000	1700	26700	6700
53	2064	99	£29,852.22	£16,552.22	0.8	20000	1700	26700	6700
54	2065	100	£10,000.00	£10,000.00	0.8	20000	1700	26700	6700
55
56			Bottom row is
57			filled in first
58			representing
59			money nearly
60			gone age 100.
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