{"id":23348,"date":"2025-09-05T14:52:38","date_gmt":"2025-09-05T14:52:38","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/know-your-future-cashflow-modelling\/"},"modified":"2026-05-26T18:19:57","modified_gmt":"2026-05-26T18:19:57","slug":"know-your-future-cashflow-modelling","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/know-your-future-cashflow-modelling","title":{"rendered":"Cashflow modelling for retirement"},"content":{"rendered":"\n<p>\u2018Am I saving enough money?\u2019 \u2018When can I afford to retire?\u2019 \u2018How long will my pension last in retirement?\u2019 Most of us have asked ourselves at least one of these questions.<\/p>\n\n\n\n<p>They\u2019re difficult questions to answer because they not only depend on your individual circumstances \u2013 your current lifestyle, your existing financial position, what you plan to do in life \u2013 but also on events that may be outside your control, such as inflation and investment performance.<\/p>\n\n\n\n<p>It might seem like you need a crystal ball to <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/private-clients\/our-services\/financial-planning-and-advice\">understand your future finances<\/a>, but this isn\u2019t the case. By using cashflow modelling, a wealth manager can help provide clarity over your future and help you answer these all-important questions.<\/p>\n\n\n\n<table align=\"center\" border=\"0\" cellpadding=\"10\" cellspacing=\"1\" style=\"width: 90%\">\n<tbody>\n<tr>\n<td>&nbsp;<\/td>\n<td>&nbsp;<p><\/p>\n<hr><\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\n<td>\n<h5>Download: A guide to saving for retirement<\/h5>\n<p>Jam-packed with essential information on how to enjoy a more comfortable life after work.<\/p>\n<p><strong><a class=\"link-underline\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/a-guide-to-saving-for-retirement\">Download now<\/a><\/strong><\/p>\n<hr><\/td>\n<td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;<\/td>\n<td>&nbsp;<\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-cashflow-modelling\">What is cashflow modelling?<\/h2>\n\n\n\n<p>Cashflow modelling is used by wealth managers to demonstrate how long your money could last in <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/private-clients\/our-services\/pensions-and-retirement-planning\">retirement<\/a>. They\u2019ll provide you with a cashflow illustration that maps out your savings and investments, year by year.<\/p>\n\n\n\n<p>The cashflow illustration will be completely personal to you. Your wealth manager will base it on things like your current finances, how much you\u2019re saving and investing, your spending patterns, your <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/when-can-i-afford-retire\">target retirement date<\/a> and your aspirations for the future. They\u2019ll also take into account projected inflation and investment performance, as well as your life expectancy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-could-cashflow-modelling-help-me\">How could cashflow modelling help me?<\/h2>\n\n\n\n<p>Cashflow modelling provides a really powerful insight into the health of your future finances. It can help you understand whether your goals are achievable and whether you might need to make any changes to your plans or saving and investing habits.<\/p>\n\n\n\n<p>Cashflow modelling can help to answer questions such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When can I afford to retire?<\/li>\n\n\n\n<li>How long will my savings last?<\/li>\n\n\n\n<li>Can I afford to leave a financial legacy for my loved ones?<\/li>\n\n\n\n<li>What would happen to my finances if I needed long-term care?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What if my plans change?<\/h2>\n\n\n\n<p>Cashflow modelling is especially useful when it comes to exploring the impact of any potential changes to your plans. Your wealth manager can help you to \u2018rehearse\u2019 your future by exploring how different scenarios might affect your financial position.<\/p>\n\n\n\n<p>Some of the scenarios may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Delaying or bringing forward your target retirement date<\/li>\n\n\n\n<li>Taking more or fewer holidays in retirement<\/li>\n\n\n\n<li>Investing a greater proportion of your money in the stock market<\/li>\n\n\n\n<li>Accessing your pension via income drawdown instead of <a class=\"link-underline\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/now-good-time-buy-annuity\">buying an annuity<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/supporting-grandchildren-uncertain-times\" class=\"link-underline\">Gifting<\/a> money to children and grandchildren.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What happens next?<\/h2>\n\n\n\n<p>Once you have clarity over your finances and how you\u2019d like your future to evolve, your wealth manager can create a <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/private-clients\/our-services\/financial-planning-and-advice\">personalised financial roadmap<\/a> that sets out the steps you need to take to help achieve your ambitions. Those steps could include taking on more investment risk, maximising your tax reliefs and allowances each year, or making a series of tax-efficient gifts; all of these are areas your wealth manager will be able to help you with.<\/p>\n\n\n\n<p>Cashflow modelling isn\u2019t a one-and-done exercise. Your circumstances could change in the future and it\u2019s important that these changes are reflected in your financial plan. That way, you can feel sure your aspirations are still achievable. <\/p>\n\n\n\n<p>Life may feel uncertain, but your finances don\u2019t have to be. To gain clarity over your future finances, <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/private-clients\/our-services\/financial-planning-and-advice\">book a consultation<\/a> with one of our wealth managers today. Find out more from our dedicated support team by calling us on 020 7246 1111. Opening hours are Monday to Friday 9am to 5pm.<\/p>\n\n\n\n<table align=\"center\" border=\"0\" cellpadding=\"10\" cellspacing=\"1\" style=\"width: 90%\">\n<tbody>\n<tr>\n<td>&nbsp;<\/td>\n<td>&nbsp;<p><\/p>\n<hr><\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\n<td>\n<h5>Get financial planning tips straight to your inbox<\/h5>\n<p>Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n<p><strong><a class=\"link-underline\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/subscribe-to-our-newsletter\">Subscribe<\/a><\/strong><\/p>\n<hr><\/td>\n<td>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\n<\/tr>\n<tr>\n<td>&nbsp;<\/td>\n<td>&nbsp;<\/td>\n<td>&nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<p><strong>The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.<\/strong><strong> You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy. Forecasts are not a reliable indicator of future performance.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wealth managers use cashflow modelling to show how long your money is likely to last in retirement. Here\u2019s how it works.<\/p>\n","protected":false},"author":97,"featured_media":3410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"2024-02-12T10:45:50","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[324],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[770],"rbcwm_segment":[792,772],"rbcwm_solution":[758],"rbcwm_topic":[108],"rbcwm_channel":[99,782,781],"rbcwm_format":[779],"class_list":["post-23348","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","rbcwm_need-live-well","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-pensions-and-retirement","rbcwm_channel-private-clients","rbcwm_channel-professional-partners","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"s2","rbc_ct_theme":"s2_th5","rbc_ct_topic":"s2_th5_ta1","rbcwm_subtitle":"Wealth managers use cashflow modelling to show how long your money is likely to last in retirement. Here\u2019s how it works.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":"","rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":3,"rbcwm_enable_toc":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Five tips on cashflow modelling for retirement | RBC Wealth Management United Kingdom<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/know-your-future-cashflow-modelling\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cashflow modelling for retirement | RBC Wealth Management United Kingdom\" \/>\n<meta property=\"og:description\" content=\"Wealth managers use cashflow modelling to show how long your money is likely to last in retirement. 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