FinCalc is a lifetime cash flow modelling system that helps advice firms test whether a client’s income can be sustained through retirement and beyond. It models income, expenditure, tax, drawdown and investment outcomes across a client’s whole life, then shows where a plan holds and where it falls short. Advisers and paraplanners are the day to day users, with administrators handling much of the data preparation. It also serves firm principals, networks and consolidators, who set assumptions centrally and control how each adviser uses the tool, while compliance teams draw on its detailed technical output as a file check.