Retirement Cash Flow Calculator — Plan Your Retirement Income & Expenses

Retirement Cash Flow Calculator

Plan your retirement financial needs by calculating your expected income sources, expenses, and cash flow throughout retirement.

Step 1: Retirement Details

years
years
years

Understanding Retirement Timeline

Your retirement timeline affects how long your savings need to last. Consider your health, family history, and lifestyle when estimating life expectancy.

Step 2: Income & Expenses

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%

About Retirement Income Sources

Multiple income sources provide stability in retirement. Social Security, pensions, and investment income work together to create a sustainable cash flow throughout retirement years.

Retirement Cash Flow Results

Summary
Scenario Comparison
Cash Flow Analysis

Monthly Cash Flow Surplus/Shortfall

+$300
Years of Coverage: 25 years
Total Retirement Income
$3,300/mo
Monthly Expenses
$3,000/mo
Savings at Retirement
$850,000
Withdrawal Rate
4.2%

Retirement Scenario Comparison

Scenario Retirement Age Monthly Income Monthly Expenses Years Covered

Cash Flow Analysis

Cash Flow Formula

Monthly Cash Flow = Total Income – Total Expenses

Your retirement cash flow is calculated by subtracting your monthly expenses from your total monthly income sources. Positive cash flow indicates your income covers expenses.

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