The Inflows / Outflows tab holds base spending plus every recurring or one-time income and expense Adjustment. Together these define the cash flowing into and out of the portfolio for every simulated year.

The timeline model

Each Adjustment is a timeline-bound event: it has a start, an end, and a repeat value (one-time, yearly, or every N years). Inflation handling, taxability, and account routing are all set per-adjustment, which means a single line item like "healthcare premium" can be modeled with its own inflation rule independent of base spending.

The every N years mode (turn on "Occurs at regular intervals" inside the Repeat section) covers lumpy real-life events that yearly recurrence can't capture cleanly — a car replacement every 8 years, a roof at year 25, an HVAC at 15. The expense fires in the Start Year and again every N years through the End Year, inheriting the same inflation rule as a normal recurring Adjustment.

The End Year picker also offers an ∞ End of Plan quick-select for lifelong items (Custom Income/Expense, Healthcare, Pension, Social Security). It resolves to the last simulated year — currentYear + duration — the moment you pick it.

Core adjustment fields

• Name, Person, Amount
• Repeat. One-time, yearly, or every N years
• Start / End timing. Calendar year, age, or retirement-relative
• Inflation Type. CPI, Flat Rate, or Not Inflation-Adjusted
• Treat as post-tax. Excludes the amount from current-year taxable income
• Specific Account toggle. Deposit to or withdraw from a chosen account

Where to go next

• Income types. Employment, pension, Social Security, other
• Expense types. Discrete, healthcare, education
• Real estate & mortgage
• Roth conversions
• FAFSA optimizer