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

Your pots

Savings and investments

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

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.

Apply income tax to pension withdrawals and employment income

Yearly income

Employment income

Increase income with inflation each year Gross, before tax. Add as many periods as you like, each with 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.

Yearly expenses

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.

Assumptions

Growth rate on assets

Inflation rate

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

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.

Age	Net income	Expenses	Savings	Pension
Enter your details to see the breakdown.

v5: two pots (savings and investments, and pension), with an optional UK income tax calculation covering employment income and 25% tax-free / 75% taxable pension withdrawals, using 2026/27 rates. Not modelled: the Personal Allowance taper above £100,000, Scottish tax rates, and National Insurance. Education only, not personal financial advice or a recommendation. Capital is at risk.