GAD Calculator

How do you find out each month what the gilt yield is?

What effect will this have on the amount of income that can be taken from income drawdown?

This calculator will keep you up to date with the current gilt yields as they change each month and allow you to consider future changes.

Use the GAD Calculator to calculate the Maximum GAD income for income drawdown without having to get a quotation. Consider what percentage of the fund value the Maximum GAD will deliver. You will also be able to change the gilt yield and therefore model how the maximum income from drawdown could change depending on gilt yields in the future. The GAD Calculator also contains historic gilt yields dating back to 1998 on the second sheet.

We have also included the rates for Alternatively Secured Pension for information which only come into effect post age 75 if an alternative annuity is not selected at age 75.

Download GAD Calculator (Microsoft Excel file 110k)

The GAD Calculator requires Microsoft Excel (version 97 or later)

Terms of Use

1. In the Terms of Use 'The Software' means all software (excluding Microsoft Excel) and other materials contained within the GAD Calculator.
2. Microsoft Excel is a registered trademark of the Microsoft Corporation.
3. Copyright and all other intellectual property rights in respect of The Software is, and shall remain at all times, in the ownership of Prudential.
4. The Software shall be for your own use and shall not be given, sold, loaned to or allowed to be used by any person not employed by or contracted to you.
5. You may make one copy of The Software for security back up purposes. These conditions shall apply to any copy made.
6. You must not decompile, reverse engineer or otherwise tamper with The Software contained within the GAD Calculator.
7. We may, from time to time, issue amended or updated versions of The Software. Should this occur, this will then become the current version of The Software at any time.
8. Prior to release of this disc, we have carried out virus checks using up-to-date virus-checking software. We do however recommend that you carry out such checks as you consider appropriate prior to using this GAD Calculator. We cannot be held responsible for any loss or damage caused by the continued presence of a virus which has not been detected by the virus checking software.
9. The Software has been prepared in accordance with our understanding of the Guidelines of the Financial Services Authority and current HM Revenue & Customs legislation and practice, as at November 2007, all of which is liable to change without notice.
10. We have applied care and skill to produce The Software to a professional standard. However, we cannot guarantee that The Software is free of errors or omissions, nor can liability be accepted for any losses, howsoever incurred, arising from the use of The Software.