Cashflow shows income versus spending for every year of the plan — salary and bonus while working, then pensions, drawdown and state pension in retirement. Bars above the line are surplus years; dips show where spending outpaces income and savings are drawn down.
The Cashflow tab shows your money coming in and going out for every single year of your plan. You don't enter data here directly — it's built from the income and expenses you set in the Your Facts tab. The chart shows your salary and bonus while you're working, then your pensions, drawdown, and state pension once you retire. Where the income line sits above your outgoings, you have a surplus. Where it dips below, you're drawing on your savings to cover the gap. Watch the point where you retire — your employment income stops and your retirement income sources take over.