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 Rate	Return 4%	Return 5%	Return 6%	Return 7%	Return 8%	Return 9%	Return 10%
5%	66y	57y	50y	45y	41y	38y	35y
10%	51y	44y	39y	36y	33y	31y	29y
15%	43y	37y	33y	30y	28y	26y	24y
20%	37y	32y	29y	26y	24y	22y	21y
25%	32y	28y	25y	23y	21y	20y	19y
30%	28y	25y	22y	20y	19y	18y	17y
40%	22y	19y	17y	16y	15y	14y	13y
50%	17y	15y	13y	12y	12y	11y	11y
60%	12y	11y	10y	10y	9y	8y	8y
70%	9y	8y	7y	7y	6y	6y	5y
80%	6y	5y	5y	5y	4y	4y	4y

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.

Savings Rate	Return 4%	Return 5%	Return 6%	Return 7%	Return 8%	Return 9%	Return 10%
5%	66y	57y	50y	45y	41y	38y	35y
10%	51y	44y	39y	36y	33y	31y	29y
15%	43y	37y	33y	30y	28y	26y	24y
20%	37y	32y	29y	26y	24y	22y	21y
25%	32y	28y	25y	23y	21y	20y	19y
30%	28y	25y	22y	20y	19y	18y	17y
40%	22y	19y	17y	16y	15y	14y	13y
50%	17y	15y	13y	12y	12y	11y	11y
60%	12y	11y	10y	10y	9y	8y	8y
70%	9y	8y	7y	7y	6y	6y	5y
80%	6y	5y	5y	5y	4y	4y	4y

Savings Rate	Return 4%	Return 5%	Return 6%	Return 7%	Return 8%	Return 9%	Return 10%
5%	66y	57y	50y	45y	41y	38y	35y
10%	51y	44y	39y	36y	33y	31y	29y
15%	43y	37y	33y	30y	28y	26y	24y
20%	37y	32y	29y	26y	24y	22y	21y
25%	32y	28y	25y	23y	21y	20y	19y
30%	28y	25y	22y	20y	19y	18y	17y
40%	22y	19y	17y	16y	15y	14y	13y
50%	17y	15y	13y	12y	12y	11y	11y
60%	12y	11y	10y	10y	9y	8y	8y
70%	9y	8y	7y	7y	6y	6y	5y
80%	6y	5y	5y	5y	4y	4y	4y

Lifetime Cash Flow Simulator

Net Worth

What is the Lifetime Cash Flow Simulator?

How It Works

Savings Rate & Years to Retirement

Who This Is For

Frequently Asked Questions

1.What should I do if the result shows my assets will be depleted?

2.How should I set the investment return rate?

3.How do I use the Future Events feature?

4.How accurate are the results?

5.Is my data saved?

Net Worth

Frequently Asked Questions

1.What should I do if the result shows my assets will be depleted?

2.How should I set the investment return rate?

3.How do I use the Future Events feature?

4.How accurate are the results?

5.Is my data saved?

Savings Rate	Return 4%	Return 5%	Return 6%	Return 7%	Return 8%	Return 9%	Return 10%
5%	66y	57y	50y	45y	41y	38y	35y
10%	51y	44y	39y	36y	33y	31y	29y
15%	43y	37y	33y	30y	28y	26y	24y
20%	37y	32y	29y	26y	24y	22y	21y
25%	32y	28y	25y	23y	21y	20y	19y
30%	28y	25y	22y	20y	19y	18y	17y
40%	22y	19y	17y	16y	15y	14y	13y
50%	17y	15y	13y	12y	12y	11y	11y
60%	12y	11y	10y	10y	9y	8y	8y
70%	9y	8y	7y	7y	6y	6y	5y
80%	6y	5y	5y	5y	4y	4y	4y