What this screen shows
The cashflow table is the most detailed view in FutureClear — a row for every simulated year, with columns showing income, spending, tax, withdrawals, and end-of-year balances for each account. It is the reference view for verifying the numbers behind the charts.
Where the charts show trends and totals, the table shows specific figures: how much income is received in each year, how much is spent, how much tax is paid, which accounts are drawn from, and what each account balance is at year end.
How to read it
Year / Age
The simulation year and corresponding age (and partner's age in couple mode). The table starts at the current year and runs to projected life expectancy.
Income
Total income received in the year from all sources: employment salary, DB pension, State Pension, rental income, and any miscellaneous income events. Asset withdrawals are a separate column and are not included here.
Spending
Total outgoings for the year — the sum of all active spending events, including care cost events or one-off expenses falling in that year. Spending events configured to escalate with inflation show higher nominal amounts in later years.
Asset withdrawals
The total drawn from investment accounts (SIPP, ISA, GIA, etc.) to cover any shortfall between income and spending. If income exceeds spending in a surplus year, this column shows zero — or a negative value if surplus sweep is enabled and unspent income is being allocated to a wrapper.
Tax
Total tax paid in the year: income tax, capital gains tax, dividend tax. UK self-assessment operates on a one-year lag — tax accrued in Year N is paid in Year N+1. The table reflects this timing, so the tax column for a given year shows the liability from the prior year's income.
Account balances
A column for each investment account showing its end-of-year balance after growth, fees, and any withdrawals. When an account reaches zero, subsequent years show zero for that account.
- SIPP balance: Includes crystallised and uncrystallised portions.
- ISA balance: Reflects withdrawals, contributions (surplus sweep or transfer events), and net growth.
- GIA balance: Reflects withdrawals, the cost basis adjusted for disposals, and net growth.
- Cash and Premium Bonds: Shown if included in the scenario.
Total assets
The sum of all investment account balances at year end. This figure matches the value plotted in the asset projection chart — the two views are always consistent.
Things to check when reading the table
Tax one year in arrears: UK self-assessment tax is typically paid in January following the end of the tax year. If Year 3 shows a large income (for example, a one-off SIPP withdrawal), the tax cost appears in Year 4's tax column.
Spending as a negative number: Spending appears as a negative value (an outflow). Asset withdrawals are shown as outflows from account balances and effectively as inflows to cash, used to cover the spending shortfall.
When State Pension starts: Locate the year when State Pension income first appears in the Income column. Confirm it matches the State Pension age configured in the asset register. If it appears earlier or later than expected, update the State Pension asset's start age.
Identifying shortfall years: If a year's income plus withdrawals is still less than spending, a shortfall exists. The Total assets column will show a decline to zero, or a row may flag the year of depletion.
Controls
The table can be exported to a spreadsheet for further analysis. The export includes all columns and all years, preserving the same figures shown in the app. Select Export above the table to download.
What it does not tell you
The table shows nominal figures — pound amounts of each future year before adjusting for inflation. A figure of £40,000 in spending in Year 20 reflects nominal cost, not purchasing power in today's terms.
The table reflects a single deterministic projection under fixed growth rate assumptions. It does not show how figures would vary under different return sequences. For a range of outcomes, use the Monte Carlo fan chart.
Tax calculations in the table are a projection approximation, not a definitive tax computation. Actual tax liability depends on individual circumstances and may differ from the figures shown.