Retirement Withdrawal Spreadsheet | RMD, Roth Conversion and Social Security Timing Planner for Excel and Google Sheets | Drawdown Order

Saving was the easy part. Spending it down is the math.

Every retirement spreadsheet you can buy answers one question: am I on track. This one starts on the day the paycheck stops — because that is where three forces collide and start fighting each other. Required minimum distributions force income out of your accounts whether you want it or not, beginning at 73 or 75 depending on the year you were born. Social Security is taxed against thresholds that have not moved since 1984, so every year of inflation quietly taxes a little more of it. And the order your investment returns happen to arrive in decides whether the same average return lasts thirty years or nineteen. This file models all three, together, for thirty years, and prices every decision in dollars.

Decide it once. Then just follow the row.

WHAT THE FILE FINDS — from the sample household that ships inside (Dale and Nora Whitfield are sample data, not customers)
· Dale was born in 1958, so his applicable age is 73 and his first required distribution lands in 2031. Nora was born in 1961, so hers is 75 and lands in 2036. One household, two different cohorts of the law. It has not been age 72 since 2023.
· Those five clean years before the first RMD hold $954,554 of room underneath the top of the 22% bracket. Their plan converts $450,000 of it. The other $504,554 simply expires when the distributions switch on.
· The conversions push $70,109 of capital gain out of the 0% band and drag $45,758 of extra Social Security into taxable income — which is why the rate they actually pay per converted dollar is 14.3%, and why one year on that tab reaches 21.1% while the bracket still says 22%.
· Claim at 62 and Dale receives $2,135.67 a month for life. Wait until 70 and it is $3,774.67. The lines cross at age 80 — and when the first of them dies, the survivor keeps $45,296 and loses $22,140 a year, forever, in the same year they start filing as single.
· Same $1,632,000 portfolio, same 4% withdrawal, the same thirty returns averaging 7.3% — identical to eight decimal places. Bad years first leaves $562,244. Bad years last leaves $5,000,154. $4,437,910 apart, and nothing changed except the order.

WHAT'S INSIDE — 14 connected tabs
Start Here · Your Profile · Accounts · Withdrawal Plan · RMD Schedule · Roth Conversion Ladder · Social Security Timing · Tax Estimator · Sequence Risk · Guardrails · Healthcare Bridge · Cash Buffer · Dashboard · Reference

Built to be lived in: a thirty-year year-by-year withdrawal projection with a real federal tax model, a per-spouse RMD schedule off the codified Uniform Lifetime Table, a twenty-year Roth conversion ladder that prices the true marginal rate rather than the nominal bracket, nine Social Security claim ages with a cumulative break-even, a sequence-of-returns stress test, Guyton-Klinger guardrails with their actual triggers and their 15-year expiry, an IRMAA two-year lookback, a cash-buffer draw-and-refill model, and a Reference tab that cites every outside figure with its source and the date it was checked.

WHAT YOU DOWNLOAD — one zip, eight files
· Retirement-Drawdown-Command-Center.xlsx — the main workbook
· Bonus Themes folder — the same workbook in Light, Dark and Editorial
· Quick-Start-Guide.pdf — 14 pages, three-step start, tab by tab, and where every number came from
· ACCESS-YOUR-TEMPLATE.pdf — one click opens your own copy in Google Sheets
· README - Start Here.txt and LICENSE.txt

FOUR COLOR THEMES INCLUDED — Classic, Light, Dark and Editorial, same engine.

WORKS IN EXCEL AND GOOGLE SHEETS — one file, both engines. Open the xlsx in Microsoft Excel, or use the included one-click access PDF to make your own Google Sheets copy. No add-ons, no subscription, nothing that reaches out to the internet.

STEP ONE IS SIX CELLS
Two birth years, two Social Security claim ages, what you plan to spend a year, and the first year of the plan. Ninety seconds. Everything on all fourteen tabs recalculates the moment you type. You do not have to finish anything else the first day.

HONEST ENGINEERING
4,633 formulas · recalculated clean · 1016/1016 independent math checks · every screen in this listing is the real file. No subscription. Free lifetime updates.

Dale and Nora Whitfield are shipped sample data, not customers — every screen works the moment you open it, and types over in one pass when you are ready for your own numbers.

PLEASE READ
This is a planning tool, not tax, legal, investment or financial advice. A thirty-year projection built on a single return assumption will be wrong — which is exactly what the Sequence Risk and Guardrails tabs exist to show you. State income tax is not modelled and ships at 0%. Two things this file will keep telling you, because they are the most expensive misunderstandings in this category: the One Big Beautiful Bill did not end tax on Social Security — it created a separate $6,000 per-person deduction for people 65 and over, for tax years 2025 through 2028 only — and the Social Security taxation thresholds have no cost-of-living provision at all, so they never move. Confirm anything that matters with a CPA or a fee-only fiduciary planner before you act on it.

WATCH THE FULL WALKTHROUGH ON YOUTUBE: https://youtu.be/LODISOY-bAc

YOU MAY ALSO LIKE
· Medicare & IRMAA Command Center — the two-year lookback, priced
· 2026 Tax Deduction Command Center — the four new OBBBA deductions
· Eldercare & Caregiver Command Center — what care actually costs

Instant download · personal use · by NicheToolkits