💵 Retirement cash flow

Retirement Cash-Flow Calculator

Retirement is not only about net worth. Put recurring inflows and outflows on the same screen.

Calculator inputs

Statutory / social-insurance pension (monthly)

Employer / other pension income (monthly)

Portfolio distributions / withdrawals (monthly)

Rent / other passive income (monthly)

Essential living expenses (monthly)

Housing / debt payments (monthly)

Insurance + medical / long-term-care budget (monthly)

Other fixed expenses (monthly)

Monthly retirement cash-flow balance

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Monthly retirement income—

Monthly fixed expenses—

Total-income coverage ratio—

Annual net cash flow—

This is a scenario model, not a promise that a portfolio can sustain a given withdrawal rate or return. Taxes, inflation, longevity, healthcare, market paths and pension rules can materially change outcomes.

Related official references

Make recurring cash flow visible

Combining pensions, portfolio withdrawals and rent with living costs, housing, insurance and healthcare can reveal pressure points that a single net-worth number does not show.

Distributions are not guaranteed income

ETF, fund and stock distributions can change and may include different economic sources. Treat portfolio cash flow as an adjustable scenario, not a promised payment.

Run at least three scenarios

Compare a base case with higher expenses and lower portfolio income to see whether the system still balances.