Pension Cashflow Modeller

Cybertime Technology Ltd

About this app

Take control of your financial future.

Pension Cashflow Modeller is a flexible cashflow modelling app designed to help you visualise your income, savings, pensions, investments, and withdrawals over time. While it is especially useful for retirees and pre-retirees, it can be used by anyone at any stage of life who wants to understand how their money may change year by year.

Whether you’re planning for retirement, comparing income strategies, testing savings goals, or simply trying to make better long-term decisions, Pension Cashflow Modeller gives you the clarity to move forward with confidence.

Why Pension Cashflow Modeller?

- Clear year-by-year projections – See income, spending, balances, and key milestones over time.
- Multiple income sources – Model pensions, salaries, savings, investments, state pension, and more.
- Flexible scenario planning – Test different assumptions, withdrawals, retirement ages, and life events.
- Forward-looking cashflow views – Understand how today’s choices may affect your future finances.
- Built for clarity – Simple enough to use, powerful enough to be useful.

Perfect for

- Retirees managing drawdown and planning income.
- Pre-retirees deciding when and how to retire.
- Younger users who want to model savings, investments, and future milestones.
- Anyone who wants a better view of their financial future.

Privacy First

Your data stays on your phone only. No accounts, no cloud sync, no servers, and no sharing of your information. Your finances stay private and under your control.

Plan ahead with confidence.
Download Pension Cashflow Modeller and start modelling your future today.

What’s new

First beta release