Cash Flow Projection Tool
Model retirement income sustainability with interactive projections. Adjust savings, contributions, and withdrawal rates to see if your plan is on track.
Advanced Cash Flow Projection
Compare base and stress outcomes with inflation, longevity, and sequence-risk assumptions.
Stress Configuration
Longevity Assumption
Base vs Stress Trajectory
Base Scenario
£1,159,314
Sustainable to age 95
Stress Scenario
£994,452
Potential depletion at age 83
Stress Contribution Gap
£28,500/yr
Base Sustainable Years
30 yrs
Stress Sustainable Years
18 yrs
Recommended Actions
- Increase annual contributions by about £28,500 to absorb stress scenarios.
- Test retiring 1-2 years later to improve resilience and reduce sequence risk.
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Who This Cash Flow Tool Is For
- Individuals testing if pension drawdown targets are sustainable.
- Couples planning retirement income alongside inflation pressure.
- Advisers preparing client reviews with scenario-based planning evidence.
- Business owners deciding contribution levels before retirement.
How To Use This Retirement Cash Flow Calculator
- Set age, retirement age, and current savings assumptions in the calculator.
- Adjust annual contributions and target retirement income to reflect your current plan.
- Review base and stress outcomes to see if your plan remains sustainable.
- Check the action plan to identify contribution, retirement age, or spending changes.
- Re-run scenarios annually or after major life and market changes.
Frequently Asked Questions
What does a retirement cash flow projection show?
It shows whether your expected savings, contributions, and investment growth can support planned retirement income over time.
What is the stress scenario used for?
The stress scenario tests tougher assumptions, such as lower growth or higher inflation, to reveal downside sustainability risk.
Can this tool model pension drawdown risk?
Yes. It helps estimate whether planned withdrawals are likely to remain sustainable across retirement years.
How often should I update my cash flow plan?
At least annually, and after major changes in income, expenditure, retirement age, or market conditions.
Is this calculator suitable for UK retirement planning?
The tool is built for UK planning context and currency, but results are illustrative and should be reviewed with professional advice.
Is this free cash flow tool financial advice?
No. It is an educational planning calculator and not a personal recommendation.
Want to model real client scenarios?
Plannetic includes multi-scenario cash flow modelling with Monte Carlo simulation, what-if analysis, and branded client reports.