Two-Pot System Calculator

Estimate your additional tax and take-home amount when withdrawing from your savings pot

Calculate Your Withdrawal

Enter your details below to estimate tax implications

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How the Two-Pot System Works

A simplified view to help you plan smarter withdrawals and understand tax implications

Savings Pot

One-third of new contributions go to a flexible savings pot. You may withdraw once per tax year, subject to tax at your marginal rate.

Retirement Pot

Two-thirds of new contributions go to the retirement pot. This is preserved for retirement and paid according to retirement rules.

Tax Impact

Withdrawals are added to your annual income to determine your marginal tax. This tool estimates the additional tax from your withdrawal.