📊 Pension Drawdown & Cash Flow Calculator

Plan your retirement income, tax, and asset burn-down
SECTION 1: Personal Profile Both spouses
👤 Spouse 1
👤 Spouse 2
If checked, eligible spouse (under 66, dependent) receives 75% of the contributor's Irish pension.
SECTION 2: Residency Timeline Tax jurisdiction
SECTION 3: State Pension Contributions Per country, per spouse
Enter the total number of contribution weeks you expect to have by your state pension start age.
Note: Ireland and UK pensions start at age 66; Spain and Other EU at age 67.
Spouse 1 – Total Weeks: 0
% of Max (2080): 0%
Spouse 2 – Total Weeks: 0
% of Max (2080): 0%
SECTION 4: Private Pension Pots Per spouse
👤 Spouse 1
Year you take the lump sum (not taxable income).
Age when withdrawals begin.
👤 Spouse 2
Year you take the lump sum (not taxable income).
Age when withdrawals begin.
SECTION 5: Household Assets & Investments Cash + Investments
💰 Cash & Savings
📈 Investment Portfolio
💎 Other Assets (e.g., gold, collectibles)
SECTION 6: Property Portfolio Add all properties
For each property, enter its name, value, mortgage balance, annual mortgage payment, rental income, expected sale year (dropdown), and net proceeds on sale. Leaving "Sale Year" empty means the property is kept for the entire projection.
SECTION 7: Asset Sales Liquidation events
Use this section for selling non-property assets (e.g., investments, vehicles, collectibles, etc.). For property sales, use the "Sale Year" dropdown in Section 6 above.
SECTION 8: Financial Goals & Outflows Spending + Inheritance
SECTION 9: Report Settings Currency & time horizon
Note: "Standard Life Expectancy" extends 10 years beyond the younger spouse's life expectancy.
Important: This calculator is for illustrative purposes only. Always verify with your financial advisor and the relevant tax authorities.