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Lifetime Cash Flow Simulator

Simulate your lifetime cash flow by age in your browser. Visualize income, expenses, taxes, and net worth changes from now through retirement — free, no signup.
Age32
Retire 55
32Snapshot at age 3285
Working
Annual Cash Flow Summary
↑Gross Income

29,636 $

%Tax

-4,444 $

↓Total Expenses

-16,484 $

✓Surplus

+8,709 $

Net Worth

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What is the Lifetime Cash Flow Simulator?

A free browser-based cash flow simulator that models your income, expenses, and asset changes year by year from now through life expectancy. Set up multiple income streams like salary, pension, and investment returns alongside expenses, taxes, and life events, then visualize how your cash flow structure changes before and after retirement with interactive Sankey diagrams. With automatic tax calculations for income tax, capital gains, and dividends, you get a realistic retirement simulation.

How It Works

Each year, net cash flow (income minus expenses) is calculated and investment returns are applied to assets. After retirement, income becomes zero and living expenses are drawn from assets.

The Sankey diagram visualizes the annual cash flow structure at your selected age.

Savings Rate & Years to Retirement

The higher your savings rate, the more rapidly your time to retirement shrinks.

Savings RateReturn 4%Return 5%Return 6%Return 7%Return 8%
5%66y57y50y45y41y
10%51y44y39y36y33y
15%43y37y33y30y28y
20%37y32y29y26y24y
25%32y28y25y23y21y
30%28y25y22y20y19y
40%22y19y17y16y15y
50%17y15y13y12y12y
60%12y11y10y10y9y
70%9y8y7y7y6y
A 50%+ savings rate enables retirement in roughly 17 years (FIRE principle baseline)

Who This Is For

  • Anyone wondering how long their retirement assets will last
  • Those planning early retirement (FIRE) and building a financial roadmap
  • People who want to preview the impact of major life events like marriage or home purchase
  • Those who want to compare retirement outcomes by different investment return rates
  • Anyone wanting to understand the impact of inflation on retirement funds

Frequently Asked Questions

You can improve the result by delaying retirement, reducing monthly expenses, or increasing your investment return rate.

Conservative: 3–4%. Balanced portfolio: 5–6%. Equity-focused: 7–8%. For greater accuracy, use the real return (subtract inflation of ~2–3%).

Add major expected expenses such as children's education, home purchase, or vehicle replacement as events, and they will be automatically reflected in the cash flow for that year.

Major taxes are automatically applied: income tax (15%), capital gains tax (22%), and dividend/interest tax (15%). Social insurance and pension income can be added as separate streams. Note that progressive tax brackets and tax law changes are not reflected, so consult a tax professional for precise calculations.

All your input data is stored securely in your browser's local storage only. Nothing is sent to any server or shared externally, so you can use this tool with complete confidence.