I’m not talking about budgeting, but rather long term cash flow.
Regular income, expenses, investments…
Sure, you can use a spreadsheet, but if you want to keep things accurate it gets too complicated. For example, you have to take into account income tax, capital gains tax… there’s a regular taxed investment portfolio, there’s 401(k), IRA, RSUs… not to mention if you live in a non-US country, now you have to model pension funds, etc etc…
Is there an easy to use tool that gets the job done? Something that tells me when I can retire? And how certain financial decisions can affect this?