What this screen shows
The Drawdown tab is one of the tabs on the results screen. It focuses on withdrawal activity: the amounts drawn from each investment account in each year of the projection, based on the withdrawal rules configured on the scenario.
The figures are modelled outcomes under stated assumptions, not predictions. The tab presents three elements stacked vertically: a row of KPI tiles, a withdrawal chart, and a collapsible withdrawal table.
If the scenario does not project any withdrawals, the tab shows an empty state prompting the user to check that a spending phase is configured.
How to read it
KPI tiles
Three tiles sit at the top of the tab, summarising withdrawal activity across the projection:
- Total withdrawn: The sum of all modelled withdrawals across every year of the projection, in nominal terms.
- First withdrawal year: The first year in which the model draws on any investment account.
- Depletion markers: The number of accounts projected to reach a zero balance during the projection, with the year of first depletion.
Withdrawal chart
A stacked bar chart with one bar per simulation year. Each segment of the bar shows the amount withdrawn from a specific account type (SIPP, ISA, GIA, Cash). Segment colours match the account legend shown above the chart.
Depletion markers appear as vertical indicators on the year a given account reaches zero. Hovering a bar shows a tooltip with the year, age, and per-account withdrawal figures.
In couples mode the chart can be viewed in two modes via the toggle above it:
- Combined — a single bar per year summing both partners' withdrawals
- By partner — separate segments for partner 1 and partner 2 within each year
Withdrawal table
A collapsible table below the chart. Each row is a simulation year. Columns show the year, age, the withdrawal amount from each account type, and the total for that year. The table is always presented in combined mode, even when the chart is in by-partner mode.
Controls
- Combined / By partner toggle — couples mode only. Switches the chart between a single combined view and a per-partner breakdown. Does not affect KPI tiles or the withdrawal table.
- Table expand / collapse — shows or hides the full year-by-year withdrawal table.
What it does not tell you
The Drawdown tab reports withdrawal amounts. It does not show the income side of the cashflow — salaries, pensions, or rental income are on the Income bridge and the cashflow table.
The chart groups withdrawals by account type, not by tax treatment. Income tax, capital gains tax, and dividend tax on the withdrawals are not displayed here. For the tax mechanics see the tax breakdown.
Depletion markers indicate the year an account balance reaches zero in the central projection only. They do not express a probability across Monte Carlo runs. For probabilistic views see the Monte Carlo chart.
Figures are in nominal terms unless the results screen is switched to real terms via its top-level control. The tab inherits that setting from the parent results screen.