I don’t know if this will help but as another pensioner, this is how I compare it.
We all track net worth, then use the 4% rule to let us know a rough estimate for what we can spend per year (cash flow).
So, I track
- The amount that I have already earned in my pension.
- The net worth of my other investments that. Note: I discount my pretax investments by 15% for taxes and exclude things like cars and houses for my 4% rule.
Then I add to two together to see where I am at.
- My pension is currently 700 per month
- My investments are currently 430 per month.
Nobody has a crystal ball, so remember that these numbers are all live and can change day to day.
Hope this helps.