Cashflow Modelling

Cashflow modelling

We use Cashflow Modelling to forecast your future finances. It shows you how much money you could have in the future and whether you are on track to achieve and maintain your goals, helping to answer questions such as ‘do I have enough money?’ and ‘when can I afford to retire?’. 

How It Works

The first step is to collect information about your monthly income and outgoings, savings and other assets. We will analyse this information along with your future goals and requirements, taking into account life events such as your retirement, one-off expenses like gifts to children, and even your death. 

We will create, and regularly review with you, a long-term projection of your finances. This will show your future requirements alongside any increase or decrease in your assets, helping to identify any potential surplus or shortfall. 

Cashflow modelling helps people with all kinds of different goals to find out what their finances could look like and whether they will have enough money in the future. It can help to answer questions such as: 

  • Will I have enough money to retire when I want to? 
  • Am I going to run out of money in later life or can I spend more now? 
  • Will my family and I be financially secure if I go into care or die unexpectedly? 
  • How can my other savings, such as ISAs, contribute to my overall retirement income?
  • How can I take an income in the most tax-efficient way possible? 
  • Am I going to leave behind an inheritance tax bill?

We can run through different scenarios to see how they might affect your finances. For example, you can bring your retirement forward, change the expected return on your investments or look at what your estates inheritance tax liability may be, thereby allowing you to plan and reduce it in many cases. You can also see how taking income from different sources could affect your tax bill – and your overall finances – over time. 


Cashflow Modelling is a key part of any successful financial planning and something that we believe is an invaluable tool in aiding you to achieve your goals.