RETIREMENT PLANNING TOOL

Cash Flow Planner

See every dollar coming in and going out, year by year, from today through the end of your plan. Income, withdrawals, Social Security, taxes, goals, and portfolio balance in one table.

Most people have never seen their full financial picture laid out this way. This is where clarity starts.

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Personal

Age Now

Retire At

To Age

Income (Working Years)

Annual Salary$180,000

Salary Growth3%

Savings Rate15%

% of salary going to savings

Portfolio & Withdrawals

Current Portfolio$800,000

Portfolio Growth Rate6%

Annual Withdrawal$72,000

Starting amount, inflation-adjusted

Retirement Income

SS Monthly

SS Claim Age

Pension Monthly

Pension Start

Expenses

Annual Living Expenses$90,000

Inflation Rate2.5%

Effective Tax Rate22%

Special Expenses

Add one-time expenses like a home purchase, college, or travel.

Projected Peak Portfolio

$13,149,547

highest balance projected

Projected Portfolio at End

$13,149,547

at age 90

Fully Funded

To 90

portfolio sustains full horizon

Net Lifetime Flows

$-2,344,039

total inflows minus outflows

Educational estimate based on your inputs, not a prediction of actual results.

Year-by-Year Projection · Ages 45–90

Cash Flow Summary

Retirement years

Portfolio depleted

Year	Age	Income Inflows	Portfolio Draw	SS & Pension / Other	Total Inflows	Living Expenses	Goals & One-time	Tax Payment	Planned Savings	Total Outflows	Net Flows	Portfolio Balance
2026	45	180,000	—	—	180,000	90,000	—	39,600	27,000	156,600	23,400	875,000
2027	46	185,400	—	—	185,400	92,250	—	40,788	27,810	160,848	24,552	955,310
2028	47	190,962	—	—	190,962	94,556	—	42,012	28,644	165,212	25,750	1,041,273
2029	48	196,691	—	—	196,691	96,920	—	43,272	29,504	169,696	26,995	1,133,253
2030	49	202,592	—	—	202,592	99,343	—	44,570	30,389	174,302	28,290	1,231,637
2031	50	208,669	—	—	208,669	101,827	—	45,907	31,300	179,034	29,635	1,336,835
2032	51	214,929	—	—	214,929	104,372	—	47,284	32,239	183,896	31,033	1,449,285
2033	52	221,377	—	—	221,377	106,982	—	48,703	33,207	188,891	32,486	1,569,449
2034	53	228,019	—	—	228,019	109,656	—	50,164	34,203	194,023	33,995	1,697,818
2035	54	234,859	—	—	234,859	112,398	—	51,669	35,229	199,296	35,564	1,834,916
2036	55	241,905	—	—	241,905	115,208	—	53,219	36,286	204,712	37,193	1,981,297
2037	56	249,162	—	—	249,162	118,088	—	54,816	37,374	210,278	38,884	2,137,549
2038	57	256,637	—	—	256,637	121,040	—	56,460	38,496	215,996	40,641	2,304,298
2039	58	264,336	—	—	264,336	124,066	—	58,154	39,650	221,870	42,466	2,482,206
2040	59	272,266	—	—	272,266	127,168	—	59,899	40,840	227,906	44,360	2,671,978
2041	60	280,434	—	—	280,434	130,347	—	61,696	42,065	234,107	46,327	2,874,362
2042	61	288,847	—	—	288,847	133,606	—	63,546	43,327	240,479	48,368	3,090,151
2043	62	297,513	—	—	297,513	136,946	—	65,453	44,627	247,025	50,487	3,320,187
2044	63	306,438	—	—	306,438	140,369	—	67,416	45,966	253,751	52,687	3,565,364
2045	64	315,631	—	—	315,631	143,879	—	69,439	47,345	260,662	54,969	3,826,630
2046	65RET	—	72,000	—	72,000	147,475	—	11,880	—	159,355	(87,355)	3,984,228
2047	66	—	72,000	—	72,000	151,162	—	11,880	—	163,042	(91,042)	4,151,282
2048	67	—	72,000	33,600	105,600	154,941	—	18,163	—	173,105	(67,505)	4,328,359
2049	68	—	72,000	33,600	105,600	158,815	—	18,163	—	176,978	(71,378)	4,516,060
2050	69	—	72,000	33,600	105,600	162,785	—	18,163	—	180,949	(75,349)	4,715,024
2051	70	—	72,000	33,600	105,600	166,855	—	18,163	—	185,018	(79,418)	4,925,925
2052	71	—	72,000	33,600	105,600	171,026	—	18,163	—	189,190	(83,590)	5,149,481
2053	72	—	72,000	33,600	105,600	175,302	—	18,163	—	193,465	(87,865)	5,386,449
2054	73	—	72,000	33,600	105,600	179,685	—	18,163	—	197,848	(92,248)	5,637,636
2055	74	—	72,000	33,600	105,600	184,177	—	18,163	—	202,340	(96,740)	5,903,895
2056	75	—	72,000	33,600	105,600	188,781	—	18,163	—	206,944	(101,344)	6,186,128
2057	76	—	72,000	33,600	105,600	193,501	—	18,163	—	211,664	(106,064)	6,485,296
2058	77	—	72,000	33,600	105,600	198,338	—	18,163	—	216,501	(110,901)	6,802,414
2059	78	—	72,000	33,600	105,600	203,297	—	18,163	—	221,460	(115,860)	7,138,559
2060	79	—	72,000	33,600	105,600	208,379	—	18,163	—	226,542	(120,942)	7,494,872
2061	80	—	72,000	33,600	105,600	213,588	—	18,163	—	231,752	(126,152)	7,872,564
2062	81	—	72,000	33,600	105,600	218,928	—	18,163	—	237,091	(131,491)	8,272,918
2063	82	—	72,000	33,600	105,600	224,401	—	18,163	—	242,565	(136,965)	8,697,293
2064	83	—	72,000	33,600	105,600	230,011	—	18,163	—	248,175	(142,575)	9,147,131
2065	84	—	72,000	33,600	105,600	235,762	—	18,163	—	253,925	(148,325)	9,623,959
2066	85	—	72,000	33,600	105,600	241,656	—	18,163	—	259,819	(154,219)	10,129,396
2067	86	—	72,000	33,600	105,600	247,697	—	18,163	—	265,860	(160,260)	10,665,160
2068	87	—	72,000	33,600	105,600	253,890	—	18,163	—	272,053	(166,453)	11,233,070
2069	88	—	72,000	33,600	105,600	260,237	—	18,163	—	278,400	(172,800)	11,835,054
2070	89	—	72,000	33,600	105,600	266,743	—	18,163	—	284,906	(179,306)	12,473,157
2071	90	—	72,000	33,600	105,600	273,411	—	18,163	—	291,574	(185,974)	13,149,547

All values in nominal dollars. Expenses grow at your stated inflation rate. Tax is estimated using your effective rate applied to taxable income. Social Security and pension begin at their stated ages regardless of retirement date. Numbers rounded to nearest dollar.

Your portfolio sustains through age 90, peaking at $13,149,547. The next question is whether you can spend more, give more, or retire earlier.

This is an estimate, not a number to plan around alone.

This calculator is an educational tool to help you think through scenarios. The results are illustrative estimates based on the inputs you provided and general assumptions. They are not financial advice, and the numbers shown should not be relied on as exact to your situation.

Real outcomes depend on factors a calculator can't fully model: your complete tax picture, plan-specific rules, market performance, IRS rate changes, life events, and how all the pieces of your financial life interact. Past performance does not guarantee future results.

This tool does not collect, store, or transmit any financial data.

Before making any decision based on these numbers, let's talk. I'll look at your full picture, pressure-test the assumptions, and help you understand what these numbers actually mean for you, at no cost.

Tighten the lifetime plan

By Jay Chang, VP, Wealth Advisor

Last updated July 6, 2026

What Is a Retirement Cash Flow Projection?

A retirement cash flow projection lists every dollar coming in and going out, year by year, from today through the end of your plan. Income, Social Security, pension, portfolio withdrawals, expenses, taxes, and one-time goals all land in one table with a running portfolio balance.

Most people have never seen their finances laid out this way. A net worth statement shows what you have. A cash flow table shows whether it lasts, and in which years it gets tight.

When a Year-by-Year View Helps Most

Any big transition that changes your income or spending pattern is a reason to rebuild the table. The situations where I reach for this view first:

The five years around retirement. Bridge years before Social Security and Medicare are often the tightest of the whole plan. Retiring early makes the gap wider, as I cover in retiring at 58 when benefits are designed for 65.
After a divorce or the loss of a spouse. One household became two, or two incomes became one. The old plan no longer describes your life. I walk through the reset in rebuilding financially after a major life change.
After an inheritance or windfall. Before deciding what to buy or pay off, see what the money does to every future year. Start with what not to do with a first inheritance.
Deciding when to claim Social Security. Change the claim age in the planner and watch which years benefit and which years carry more portfolio withdrawals.
Testing a big one-time goal. A second home, a wedding, a gift to a child. Add it at a specific age and see the ripple through every year after.

How to Use This Calculator

Enter your current age, planned retirement age, and the age you want the plan to run through.
Enter your salary and savings rate, plus expected Social Security and any pension with their start ages.
Set annual expenses, an inflation rate, an effective tax rate, and any one-time goals like a home purchase or a wedding.
Review the year-by-year table, the projected portfolio at the end of the plan, and the age the portfolio runs out, if it does.

Cash Flow Questions I Hear Most

What does a retirement cash flow projection show?

It shows every dollar coming in and going out for each year of your plan: salary, Social Security, pension, portfolio withdrawals, expenses, taxes, and one-time goals. The output is a running portfolio balance for every age. That single table answers the question most people can't answer: does the money last?

What if my portfolio runs out before the end of my plan?

A projected depletion age is a signal, not a verdict. The main levers are retiring later, spending less, saving more now, adjusting the withdrawal amount, and changing when Social Security starts. Test each lever one at a time in the planner and watch how the depletion age moves. Small changes made early usually beat big changes made late.

Does the planner account for taxes and inflation?

Yes, in simplified form. Expenses grow every year at the inflation rate you set. Taxes use a single effective rate applied to taxable income, with 85 percent of Social Security and a portion of portfolio withdrawals treated as taxable. Real tax bills vary year to year, so treat the tax line as an estimate.

Why use a year-by-year view instead of a rule of thumb?

Rules of thumb like the 4 percent guideline assume smooth, average years. Real retirements are lumpy: a bridge period before Social Security starts, a mortgage that ends, a one-time gift to a child, higher medical costs later. A year-by-year table shows exactly which years are tight and which are comfortable, so the fix can target the actual problem.