Purpose: Shows whether you’re adding to savings (surplus) or drawing down (deficit) each period.

What you see

• Green bars: Surplus years (contributions > withdrawals)
• Red bars: Deficit years (withdrawals > contributions)
• Toggle between Annual and 5-Year Avg views

What to look for

• The transition point from saving to spending
• Size of deficits in retirement years
• Whether cash flow matches your expectations

Best for

Understanding when you switch from accumulation to drawdown.