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

If you include a spouse below, their employment income periods use their own age. Recurring and one-off expenses still use your age.

Your pots

Savings and investments

Cash, ISAs and general investments, held jointly. Leave out property and anything you don't plan to draw from. Withdrawals from this pot are never taxed in this model.

Your pension

Any DC pension pot. Each withdrawal is treated as 25% tax-free with the remaining 75% taxed as income, at whatever rate that falls at alongside your other income that year.

Your pension access age The earliest age you can draw from this pension. The UK normal minimum pension age is 55, rising to 57 from 2028. No withdrawals are modelled before this age, even if the pot has funds. Defaults to 55 if left blank.

Your monthly pension contribution

The total going into your pension each month, including your own contribution, any employer contribution, and pension tax relief. This is added straight to your pension pot and doesn't reduce your income or what's available to save elsewhere.

Contribute until age Contributions run from the start of the plan up to this age, then stop, regardless of what income you've entered. Leave blank to contribute for the whole plan.

Include a spouse

Yearly income

Your employment income

Gross, before tax. Ages refer to your age. Add as many periods as you like. 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. The state pension button adds the 2026/27 full new state pension (£12,548 a year) starting at a typical state pension age of 67, edit the "from age" if yours differs.

Increase all employment income above with inflation each year

Yearly expenses

Recurring expenses

Increase these with inflation each year Ages refer to your age. Add as many periods as you like. For example, nursery fees of £14,000 from age 2 to 4 for a child, alongside everyday spending with no end age.

One-off expenses

Ages refer to your age. Add an amount and the age or ages it happens. Separate multiple ages with commas, for example "45, 46, 47, 48, 49" for £10,000 a year over five years.

Assumptions

Apply income tax to pension withdrawals and employment income

Growth rate on assets

Inflation rate

One growth rate is applied to all pots. Inflation is only used where you've ticked a box above to increase income or expenses with it.

Apply a market shock in one year

Your cash flow, year by year

A simple projection based on the numbers you have entered.

Combined balance at age modelled to

£—

Age money runs out (if it does)

—

All figures are in today's money

Chart

Enter your details to see the chart.

Your age	Spouse's age	Net income	Expenses	Savings	Pension
Enter your details to see the breakdown.

v15: joint savings and investments plus one or two pensions with monthly contributions (running until an explicit stop age you set, independent of what income is entered) and access ages, repeatable income and recurring expense periods, one-off expenses at multiple ages, a one-click state pension add, an optional one-year market shock, and an optional UK income tax calculation (2026/27 rates). Pension withdrawals are never modelled before each person's access age, even if the pot has funds. When a spouse is included, their employment income periods use their own age, tax is calculated separately for each person, and any shortfall drawn from pensions is split between accessible pots in proportion to their available balance. Not modelled: the Personal Allowance taper above £100,000, Scottish tax rates, National Insurance, and any annual or lifetime pension contribution limits. Education only, not personal financial advice or a recommendation. Capital is at risk.