FIRE Calculator Spreadsheet Excel Google Sheets | Retirement Calculator & Early Retirement Planner | Coast FIRE Financial Independence

Stop guessing if you can retire on time. This spreadsheet does the math for you.

Know EXACTLY how much you need to save, when you can retire, and whether you're on track — all updated automatically as you enter your numbers.

WHAT'S INCLUDED (9 Interactive Tabs):

- Instructions — Step-by-step guide to get started in minutes
- Your Info — One place to enter all your financial details (yellow-highlighted input cells)
- Retirement Dashboard — At-a-glance readiness status with ON TRACK / NEEDS ATTENTION indicators
- Savings Projection — 40-year compound growth projections with portfolio growth chart
- Account Planner — Optimize contributions across 401(k), Traditional IRA, Roth IRA, HSA, and Brokerage accounts with recommended contribution order
- FIRE Calculator — Calculate your Financial Independence number, years to FIRE, FIRE age, and progress percentage with savings rate scenario table
- Withdrawal Strategy — 4% rule analysis, Required Minimum Distribution (RMD) schedule ages 73-90, and tax-efficient withdrawal order guide
- Expense Planner — Project retirement expenses by category with inflation adjustments and pie chart breakdown
- Scenario Analysis — Best case, expected, and worst case projections side by side with Social Security claiming strategy comparison (ages 62, 65, 67, 70)

KEY FEATURES:

- 463 working formulas that auto-calculate everything
- 40-year savings projections with compound growth
- FIRE number calculator (25x annual expenses)
- Dual-income / spouse support for couples planning together
- Multiple retirement account types (401k, IRA, Roth, HSA, Brokerage, Pension, Social Security)
- Inflation-adjusted expense projections
- Required Minimum Distribution (RMD) schedule
- Social Security claiming age comparison with breakeven analysis
- Conditional formatting — green for on track, red for needs attention
- Professional formatting with branded design
- All input cells clearly highlighted in yellow

HOW IT WORKS:

1. Download the file and open in Excel or Google Sheets
2. Enter your info in the yellow-highlighted cells (age, income, savings, contributions)
3. Review your personalized retirement dashboard, FIRE timeline, and scenario analysis

That's it. Your complete retirement plan, calculated automatically.

WORKS WITH:
- Microsoft Excel (Desktop & Online)
- Google Sheets (upload and use free)
- Numbers for Mac (most features)

PERFECT FOR:
- Anyone planning for retirement (traditional or FIRE)
- FIRE movement followers calculating their independence number
- Couples planning retirement together
- 30-50 year olds who want to run their own numbers
- Anyone who just met with a financial advisor and wants to verify projections

INSTANT DIGITAL DOWNLOAD
Purchase, download, and start planning your retirement immediately. No waiting, no shipping.

100% SATISFACTION GUARANTEE
If this template doesn't help you plan your retirement with confidence, contact us and we'll make it right.

DISCLAIMER: This spreadsheet is for educational and planning purposes only. It is not financial advice. Consult a qualified financial advisor for personalized retirement planning.

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