Retirement Cash Flow Calculator
Model multiple accounts and income sources to see how long your retirement plan lasts. All calculations happen locally — nothing leaves your browser.
How the Withdrawal Order Works
Each year, the plan computes your spending gap (expenses minus income) and draws from accounts in order of availability age, applying each account's own withdrawal rate up to the remaining gap. If "Reinvest income surplus" is enabled, any excess income beyond expenses is added back into your accounts proportionally to their balances.