Cash Flow Modeller

Cash flow modeller

A simple starting point: enter your numbers and see how your balance moves over time. Not personal advice, an illustration only.

Starting age

Model to age

Savings and investments

Cash, ISAs, pensions and other investments you hold today. Leave out property and other assets you don't plan to draw from.

Yearly income

Increase income with inflation each year Add as many periods as you like, each with an amount and the ages it applies between. Leave "to age" blank if it continues to the end of the plan. For example, £50,000 from age 38 to 55, then £12,500 from age 68 with no end age.

Recurring yearly expenses

Increase expenses with inflation each year Everyday ongoing spending. Add larger one-off expenses separately below.

One-off expenses

Add as many as you like, each with an amount and the age it happens. For example, £200,000 at age 40 for a house purchase.

Growth rate on assets

Inflation rate

Inflation is only used for income or expenses you've chosen to increase with inflation above.

Your cash flow, year by year

A simple projection based on the numbers you have entered.

Balance at age modelled to

£—

Age balance runs out (if it does)

—

All figures are in today's money

Chart

Enter your details to see the chart.

Age	Income	Expenses	Net flow	Balance
Enter your details to see the breakdown.

v3: multiple income periods and one-off expenses, optional inflation on income and recurring expenses, balance floors at zero rather than going negative. Education only, not personal financial advice or a recommendation. Capital is at risk.