Creating a Cash Flow projection
The Cash Flow projection shows a client's income and expenses year by year from now through retirement and beyond, using data from the client's Fact-Find. A Scenario panel lets you model what-if adjustments without changing the underlying plan.
Opening the Cash Flow projection
- Open the client's profile and go to Financial Modelling
- In the right panel, select the Income & Expenses tab for the year-by-year breakdown
- Use the chart on the left to see the full projection timeline
What it shows
Summary cards at the top of the page show three key metrics:
CardWhat it shows
Net Worth
Current assets minus liabilities, with annual growth rate
Annual Surplus
Projected income minus expenses — shown as surplus (green) or deficit (red)
Retirement
How well-funded retirement is as a percentage — 80% or above shown in green
The Income & Expenses tab in the right panel shows the breakdown for any selected year:
Income sources:
- Salary (grows at 2.5% CPI annually, stops at retirement)
- Rental income
- Investment income
- Superannuation drawdown (in retirement — calculated at 4% of super balance)
Expense categories:
- Living expenses
- Mortgage repayment
- Superannuation contributions (stops at retirement)
A surplus or deficit line at the bottom shows the net position for that year.
The chart shows all series across the full 40-year projection. Click any series toggle below the chart to show or hide it:
- Net Worth — total assets minus liabilities over time
- Assets — total asset value per year
- Liabilities — total liability value per year
- Net Flow — income minus expenses per year
- Inflow — total income per year
- Outflow — total expenses per year
Use the year range dropdown (10, 20, 30, or all years) to zoom the chart to a shorter horizon.
Using the Scenario panel
Click Scenario to open a what-if panel that lets you model adjustments without changing the client's plan. Sliders let you adjust:
- Salary
- Super contributions
- Living expenses
- Home loan interest rate
- Property growth rate
- Shares growth rate
- Superannuation return rate
- Retirement year
The chart updates in real time to show scenario projections as dashed overlay lines alongside the base projection. An Impact Summary shows how Net Worth, Annual Surplus, and Retirement percentage change under the scenario.
Scenario changes are temporary — they are not saved to the client record. Click Reset to return all sliders to baseline values.
Recalculating
Click Recalculate at any time to regenerate the projection from the client's latest Fact-Find data.