Cashflow planning
See whether your plans add up
Cashflow planning turns your income, spending, savings and goals into a simple picture of your money over time. It helps you spot gaps early, plan for the big moments in life and make decisions with a clearer view of what comes next.
Next step
Start with a free first chat. Tell me what you're planning for and I'll explain how a cashflow plan could help.
Get in touch Or call 07751 367776What cashflow planning is
A cashflow plan is a year-by-year picture of your money. We put in what comes in, what goes out, what you've saved and what you're aiming for, then look at how it could play out over the years ahead.
It doesn't predict the future. What it does is show whether your plans broadly add up on sensible assumptions, and what might change if life takes a different turn.
- Income from work, pensions, rental or other sources
- Regular spending and one-off costs
- Savings, investments and pensions you already have
- Goals and milestones, with rough dates
- What-if scenarios, such as retiring earlier or later
What a cashflow plan can look like
Two simplified examples of the kind of charts we'd look at together. The figures are made up to show the idea. Your own plan would be built from your figures and goals.
Income and spending over time
Where spending runs ahead of income, the gap shows up clearly, years before it happens.
- Income
- Spending
- Shortfall
Savings toward life events
Comparing two scenarios side by side shows how a choice today could change the picture later.
- Scenario 1: retire at 60
- Scenario 2: retire at 62, save a little more
In a real plan we'd agree the assumptions together and look at a few versions, not just one line on a chart.
How it can help
Identify shortfalls early
Seeing a gap years ahead gives you time to do something about it, rather than finding out when it arrives.
- Spot years where spending could outrun income
- See how long savings might last
- Test small changes now against the gap later
Plan for life events
Put the big moments on the timeline and see how they fit with everything else.
- Retirement, and when it might be possible
- School or university costs
- Moving home, or helping family with a deposit
Shape future planning
A clear picture makes the next conversations easier, whether that's about pensions, investments or protection.
- A starting point for pension and investment decisions
- Seeing what would happen if income stopped
- Reviewing the plan as life changes
How it usually works
Free first chat
We talk about where you are, what you're planning for and whether a cashflow plan would be useful.
Gather your figures
Income, spending, savings, pensions and any big plans. Rough figures are fine to start with.
Model scenarios
I build your plan and look at a few what-ifs, such as retiring at a different age or a change in spending.
Review together
We go through it in plain English, talk about what it shows and agree whether anything should change.
Want to see your own picture?
Get in touch for a free first chat. There's no obligation, and if you'd like to go ahead I'll agree the cost with you in writing before any work starts.
Questions people ask
Do I need exact figures to start?
No. Rough figures are fine for a first look. We can firm them up as we go, and I'll help you work out what's worth checking.
Is a cashflow plan a prediction?
No. It's a way of testing your plans against a set of assumptions. Nobody knows exactly what will happen, so we look at a few scenarios and review the plan over time.
Can cashflow planning sit alongside other advice?
Yes. It often sits alongside pension, investment or protection conversations, but it's useful on its own too. You decide what happens next.
Related: pensions, investments, protection and inheritance tax planning.
Cashflow plans are based on assumptions about things like growth, inflation, tax and spending, which may not turn out as expected. Your circumstances can change too, so a plan should be reviewed regularly. Charts on this page are illustrative examples only.
The value of investments and pensions, and any income from them, can fall as well as rise and you may not get back the amount invested.
Ready to talk?
Use the contact form or Chat now on WhatsApp. Both come straight to me, not a shared inbox.