Life Finance Tools
Retirement planning

Retirement Cash-Flow Center

Turn retirement from one big number into a system: target → cash flow → coverage → gap → withdrawal → stress test.

Seven calculators, one retirement workflow

There is no universal retirement number. Housing, pensions, healthcare, inflation, debt and lifestyle all change the answer. Start with your own monthly spending and recurring income, then stress-test the plan.

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Start here

Retirement target

Reverse-engineer an asset target from spending, stable income and withdrawal rate.

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Step 2

Retirement cash flow

Put pensions, portfolio cash flow and fixed expenses on one monthly view.

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Step 3

Passive-income coverage

See how much of essential spending passive income covers.

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Step 4

Retirement gap

Compare the target with your current asset trajectory and saving pace.

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Step 5

Withdrawal rate / 4% scenario

Compare 2.5%, 3%, 3.5%, 4% or a custom planning withdrawal rate.

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Step 6

ETF / fund monthly retirement income

Combine pensions, portfolio assets, distributions, scheduled withdrawals and inflation in one model.

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Step 6

Market-crash stress test

Test what an early -20%, -30% or -40% decline may do while withdrawing.

How to use the center

  1. Set the target: estimate spending in today’s purchasing power and subtract stable pension income.
  2. Build monthly cash flow: combine pensions, portfolio withdrawals, rent and fixed expenses.
  3. Check coverage: compare passive income with essential recurring obligations.
  4. Measure the gap: project current assets and contributions to your retirement date.
  5. Test withdrawal rates: compare several rates instead of treating 4% as a promise.
  6. Stress-test the first years: see what happens if retirement begins with a major market decline.

Taiwan-specific retirement income stays separate

Labor Insurance old-age pension and Labor Pension personal-account benefits are separate systems. Use the Taiwan Labor Rights hub for official-rule calculators, then bring the estimated monthly income back into this center.

Retirement accumulation calculator →Taiwan Labor Insurance pension calculator →Labor Pension voluntary contribution →
🏖️ Monthly retirement-income series

ETFs and funds do not guarantee a pension, but they can support a retirement cash-flow plan

Use total return and include distributions, scheduled sales, inflation and sequence risk.

Core

Build monthly retirement income

Cash flow

Distributions vs withdrawals

Risk

Sequence-of-returns risk

Allocation

Three-layer retirement portfolio

Inflation

Inflation & purchasing power