The Retirement & Cashflow Simulator

Most retirement calculators are broken. They assume you’ll save the exact same amount, every single month, for the next 25 years. That’s not how real life works.

Real life involves variable bonuses, property sales, inheritances, and years where you might not be able to save at all.

I built this model that would account for the "messiness" of real-world finance. It doesn’t just give you a number; it projects your future, year by year.

What makes this different?

1. The "Unequal Inflow" Logic: The only tool that lets you plug in lumpsums (bonuses/windfalls) or change your monthly savings for specific years.
2. Built-in Safety: Pre-configured with conservative industry standards for inflation and returns. No "dream numbers" here.
3. The Shortfall Alert: A dynamic cashflow table that turns red the exact year your money is projected to run out based on your specific choices.

Use this to answer:

1. "If I skip savings for 2 years to do an MBA, what happens at age 70?"
2. "If I get a 10L bonus at age 45, how much does my retirement date move up?"
3. "Will my corpus survive if I have zero income for a year?"