Creating a Cash Flow projection
The Cash Flow projection maps a client's income and expenses year by year, from now through retirement and beyond. It pulls from the Fact-Find. A Scenario panel lets you model what-if adjustments without changing the underlying plan.
Please note that Financial modelling is an experimental feature. To enable this, Go to user settings(Top bar -> user icon), scroll to the bottom of the page and enable experimental features.
Opening the 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
Three summary cards at the top give a quick read on the client's financial position:
- Net Worth - current assets minus liabilities, with annual growth rate
- Annual Surplus - projected income minus expenses, shown in green (surplus) or red (deficit)
- Retirement - how well-funded retirement is as a percentage. 80% or above shows in green
The Income & Expenses tab breaks the selected year into:
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 the selected year.
The chart shows all series across the full 40-year projection. Use the toggles below the chart to show or hide:
- Net Worth
- Assets
- Liabilities
- Net Flow
- Inflow
- Outflow
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. Sliders let you adjust assumptions without changing the client's actual plan:
- 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 with 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.