Summary cash flow report

Quick Start:

The results produced by the TIME MACHINE shown on this page are:

  • The Summary cash flow
  • The Graphs

The same results are accessible in today’s dollars (discounted for inflation) and also in future dollars.

Click on any year to access the detailed cash-flow report for that year.

A navigation bar at the bottom of the page allows you to access other reports:

  • The TimeTable when applicable
  • The CCPC Time Table when applicable
  • The Detailed Cash Flow report for all years
  • The Summary Cash Flow report
  • The Report. Comprehensive report of all the results and inputs you can print to PDF
  • Download all tables to Excel. It is also a comprehensive report in Excel format

You can save up to 100 runs. You can add a formatted description to the saved run that will be shown above the table and in the report. The tables, graphs, reports and downloads will all be available for saved runs. You will also be able to compare the tables and graphs side-by-side of the 2 runs, and additional graphs of the difference between the two will also be shown. Saved runs will also save a snapshot of the scenario that was run. You will be able to restore that scenario into your workspace so that you can update it and run it again.


The Summary cash flow

For every year, it shows the Cash IN totals of EXTERNAL INCOME and ACCOUNT WITHDRAWALS by account type.

The Cash Out shows the total spending, total taxes, and ACCOUNT DEPOSITS by account type.

The Net-savings to accounts are also shown. When positive, you are accumulating, and when negative, you are decumulating.

The Net-worth columns show the balances of accounts (by type), loans (negative if owed by you and positive if wowed to you), and real estate

The cells are coloured with a heat map to help you see exceptionally low and high amounts.


The graphs
  1. Net Worth graphs.
    The first graphs indicate the value of your accounts, loans, and properties.
    The sum of all of your accounts, loans, and properties, amounts to your net worth. You want this to rise above zero and remain there for as long as possible until your passing.
  2. Income, Spending, and Saving.
    The next set of graphs display information on your net income and spending, and the net amounts of money going into your savings and paying off your loans.
    There are graphs of your consumption from your accounts either by account, or account type.
    There is a graph of your overall net savings (essentially income minus spending and taxes).
    The percent saving/withdrawal chart shows a line that when above zero corresponds to the percentage of external income that is saved to accounts: the saving rate. When the line is below zero, it the percentage of the account balances withdrawn: the withdrawal rate.
    There is also a graph on income coming from OAS and CPP for each spouse.
  3. Taxes.
    You will see the taxable income for both spouses. You might notice the pension income-splitting that the TIME MACHINE performs when possible.
    Then taxable income by type (Income, Eligible dividends, Non-eligible dividends, Foreign dividends, and Capital gains), are shown, combined for both spouses. Note: Capital losses are always carried over in the TIME MACHINE.
    You will see the taxes payable each year for each spouse, and the overall tax rate and the marginal tax rate for each year.
    There is a graph showing the RRSP room and the TFSA room at the beggining of each year, before any contributions or withdrawals that year.
  4. Asset allocation.
    There are 3 graphs showing your overall asset allocation as percentages, and overall investments: the first by allocation place and type, the second by allocation place, and the third by allocation type. The TIME MACHINE rebalances every account to its set target allocation. Remember that you can change the target asset allocation of any account for any year. With these graphs, you can see the overall allocation over all of your accounts. You may notice that as some account values are increased or decreased with deposits and withdrawals, it will affect your overall allocation if you have set different target allocations for different accounts.
  5. Net deposits and balances.
    There follows a pair of charts for each account and loan. The first shows net deposits (ie. deposits minus withdrawals) for each year blue. In red is show the total investment growth for each year. The second graph shows the balance at the end of each year.

Overall, the tables and graphs should give you a good idea about whether the plan you have set up will be workable for you in the future. We encourage you to explore different scenarios. Ask as many what-if questions as you can think of, and stress-test the plans with a range of assumed rates of return. The number of TIME MACHINE runs is unlimited, with a paid subscription.
Once you have a plan that you like, you can save it to your computer and then just follow the deposit and withdrawal schedule displayed in the first rows of the table. However, the market value of your investments will change, your market outlook may change, tax regulations may change, and your circumstances may change, so you will need to update your inputs and rerun the TIME MACHINE every few months to make sure that you stay on track toward reaching your financial goals.

Congratulations on making it this far. You are well on your way to mastering your finances!


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