Retirement Cash Flow Analyzer

Year-by-Year Projections from Retirement to Age 100

Model income, expenses, taxes, RMDs, and withdrawal strategies with precision

Premium Tool: This comprehensive cash flow analyzer helps you model your entire retirement timeline with detailed tax calculations, RMD planning, ACA subsidy impact, and withdrawal sequencing. See exactly when and where your money comes from each year.

Scenario Management

Basic Information

Your current age
Age you plan to retire
Your state's average tax rate
Expected annual inflation
Expected annual portfolio return

Portfolio Balances

Brokerage accounts (withdraw first)
Pre-tax retirement accounts
Tax-free retirement accounts (withdraw last)
Emergency fund and liquid cash

Income Sources

Social Security

Age to start Social Security
Estimated monthly benefit

Other Income

Net rental income after expenses
Annual income from part-time work

Annual Expenses

Mortgage/rent, property tax, insurance, maintenance
Insurance premiums, out-of-pocket (pre-Medicare)
Cars, gas, maintenance, insurance
Utilities, subscriptions, misc
Healthcare costs drop significantly at Medicare age

Cash Flow Analysis Results

Portfolio Balance Timeline

Annual Income vs Expenses

Tax Burden Over Time

Year-by-Year Cash Flow

Key Insights & Recommendations

Important Disclaimer: This calculator provides educational estimates only and is not financial advice. Tax laws, Social Security rules, and healthcare regulations are complex and subject to change. Your actual results may differ based on numerous factors including market performance, inflation, tax law changes, and personal circumstances. For personalized advice, consult with a licensed financial advisor, tax professional, and estate planning attorney. This tool is not affiliated with any government agency.