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. It pulls 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.
[SCREENSHOT]
What it shows
Three summary cards at the top of the page 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 is shown in green
The Income & Expenses tab breaks down 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 displays all series across the full 40-year projection. Click any toggle below the chart to show or hide a series:
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. 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 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.