Retirement Cash Flow Forecast

Project how recurring income, spending, inflation, investment growth, and portfolio withdrawals interact over the next 2–20 years.

Forecast Controls

Current portfolio weighted yield: 4.32%. This deterministic forecast assumes the portfolio continues earning that weighted rate before taxes. The tax engine will be added separately.

Starting Portfolio
$1,924,000
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Ending Portfolio · 20 Years
$2,064,501
Total Portfolio Withdrawals
$1,670,437
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Total Investment Growth
$1,810,937
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Current Annual Cash Flow

Recurring Income$93,200
Planned Expenses$146,442
Portfolio Funding Needed$53,242
First-Year Withdrawal Rate2.77%

Forecast Status

Portfolio remains positive throughout the selected 20-year forecast.

Lowest projected year-end balance: $1,953,958

This is a deterministic planning model, not a guarantee or probability of investment success.

Retirement Decision Center · Scenario Planner

Portfolio Path

Year-by-Year Retirement Forecast

YearStarting PortfolioInvestment GrowthRecurring IncomeExpensesPortfolio WithdrawalWithdrawal %Ending Portfolio
2026$1,924,000$83,200$93,200$146,442$53,2422.77%$1,953,958
2027$1,953,958$84,495$95,064$150,835$55,7712.85%$1,982,682
2028$1,982,682$85,738$96,965$155,360$58,3952.95%$2,010,025
2029$2,010,025$86,920$98,905$160,021$61,1173.04%$2,035,828
2030$2,035,828$88,036$100,883$164,822$63,9393.14%$2,059,925
2031$2,059,925$89,078$102,900$169,766$66,8663.25%$2,082,137
2032$2,082,137$90,038$104,958$174,859$69,9013.36%$2,102,274
2033$2,102,274$90,909$107,058$180,105$73,0483.47%$2,120,135
2034$2,120,135$91,682$109,199$185,508$76,3103.60%$2,135,507
2035$2,135,507$92,346$111,383$191,074$79,6913.73%$2,148,163
2036$2,148,163$92,894$113,610$196,806$83,1963.87%$2,157,861
2037$2,157,861$93,313$115,882$202,710$86,8274.02%$2,164,346
2038$2,164,346$93,593$118,200$208,791$90,5914.19%$2,167,348
2039$2,167,348$93,723$120,564$215,055$94,4914.36%$2,166,580
2040$2,166,580$93,690$122,975$221,507$98,5314.55%$2,161,739
2041$2,161,739$93,481$125,435$228,152$102,7174.75%$2,152,503
2042$2,152,503$93,081$127,944$234,996$107,0534.97%$2,138,531
2043$2,138,531$92,477$130,503$242,046$111,5445.22%$2,119,465
2044$2,119,465$91,653$133,113$249,308$116,1955.48%$2,094,922
2045$2,094,922$90,591$135,775$256,787$121,0125.78%$2,064,501