FIRE Early Retirement Planner, Net Worth Tracker, Coast FIRE, Stress Test (Google Sheets/Excel)

5 QUICK ANSWERS BEFORE YOU BUY

1. How is this different from a free FIRE calculator online?
A web calculator gives you one number and forgets you. This dashboard tracks up to 30 real accounts, logs monthly check-ins, compares six FIRE types side by side, models the gap years before age 59 1/2, and backtests your plan against 98 years of actual US market returns. All of it stays private in your own file.

2. Does it work in both Google Sheets* and Excel*?
Yes. You receive four ready-to-use files: Light and Dark themes for Google Sheets* (instant copy links) and native Microsoft* Excel* (.xlsx) files for both themes. Every feature and formula works identically on both platforms.

3. Do I need to be a spreadsheet or finance expert?
No. Over 10,700 formulas run automatically behind the scenes. You type your numbers into white cells; pale lavender-gray cells calculate everything else instantly. No coding, macros or add-ons.

4. Is my financial data private?
Completely. The workbook lives only in your own Google* or Microsoft* account. There are no external add-ons, no third-party integrations, no scripts and no data sent anywhere.

5. What if I accidentally break a formula?
Overwritten formula cells turn red immediately and a live Formula Health badge on the Start Here tab alerts you. You can also re-download a fresh copy from your Etsy* purchases at any time.

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You already have a FIRE number in your head. This gives you the date, and the confidence that it will hold.

The FIRE Early Retirement Dashboard by ProFormaGRID turns scattered account balances into one clear answer: how far you are from financial independence, which FIRE path fits your life, and whether your plan survives a market crash. Twelve tabs, 10,700+ formulas, Light and Dark themes, and zero monthly fees, in Google Sheets* or Microsoft* Excel*.

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WHAT'S INSIDE (12 CONNECTED TABS)

• Start Here: setup steps and a live Formula Health badge.
• Settings: inflation assumptions, tax rates and target retirement ages in one place.
• Accounts: up to 30 accounts with automatic tax bucketing (Taxable, Tax-Deferred, Tax-Free, Cash, Property, Debt), employer matches and FI eligibility.
• Monthly Check-in: a quick recurring log of balances and contributions that feeds every chart.
• Retirement Budget: build the post-retirement spending baseline your FI number is based on.
• FIRE Dashboard: live FI number, savings rate, Coast FI %, net worth trend, asset-allocation pie and 7 milestone markers.
• FIRE Types: Lean, Standard, Chubby, Fat, Coast and Barista FIRE compared side by side with target dates and numbers.
• Projection: year-by-year balance modeling from today to age 100 in today's dollars, fully charted.
• What-If Lab: two alternate scenarios side by side, budget-cut acceleration, and the price of any purchase measured in freedom days.
• Bridge: model the years before 59 1/2 with a coverage check and a Roth-conversion-ladder tracker.
• Stress Test: backtest your plan against 98 real US market-return years (1928 to 2025) using the 4% rule versus Guyton-Klinger guardrails.
• Help: color key, formula guidelines and FAQ.

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WHY THE FIRE COMMUNITY KEEPS THIS ONE OPEN

• Know your success rate before you hand in notice. The Stress Test shows how your exact portfolio would have fared through every downturn since 1928.
• Stop comparing yourself to strangers online. Six FIRE types are calculated from your numbers, not someone else's.
• Turn 'should I buy this?' into a number. The What-If Lab prices any purchase in days of freedom.
• Plan the bridge years properly. Roth ladders and gap-year coverage are modeled, not guessed.
• Own it forever. No subscription, no logins to a third-party app, no one else seeing your balances.

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WHO THIS IS FOR

• Anyone pursuing Lean, Standard, Fat, Coast or Barista FIRE
• Savers who want rigorous backtesting instead of a rule-of-thumb multiplier
• Households consolidating brokerage, retirement and property accounts into one view
• Spreadsheet lovers who want total control and total privacy

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WHAT YOU RECEIVE (INSTANT DIGITAL DOWNLOAD)

• Google Sheets* Light and Dark theme templates (one-click copy links in the Download Link PDF)
• Microsoft* Excel* Light and Dark theme workbooks (.xlsx)
• Illustrated Instructions PDF including how to resize cells without breaking formulas
• 12 fully integrated tabs
• 10,700+ built-in formulas, 100% automated
• Unlocked, macro-free and fully customizable
• Templates arrive blank and ready for your numbers

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HOW IT WORKS

1. Complete your purchase and open your files from the Etsy* purchases page (the download link is also emailed to you).
2. Open the Excel* workbook on your computer, or open the Google Sheets Download Link PDF and click the link to make a private copy in your own Google Drive*.
3. Follow the Instructions PDF and the guide tab inside the workbook, type your numbers into the input cells, and watch the dashboard fill in.

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SUPPORT AND OUR PROMISE

Questions before or after you buy? Message ProFormaGRID through Etsy* and you will get a prompt, friendly reply. If something is not working the way it should, we will help you fix it. You can re-download your files any time from your purchases page.

Explore the full collection of ProFormaGRID templates at ProFormaGRID.com

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LICENSE AND LEGAL

Instant digital download; no physical item will be shipped. This template is not made to order. Licensed for personal use. Please do not resell, redistribute, share or recreate this workbook in whole or in part. Copyright ProFormaGRID. All rights reserved.

This tool is for educational and planning purposes only and does not constitute financial, tax or legal advice.

*Google Sheets, Google Drive and Google are trademarks of Google LLC. Microsoft, Excel, Windows and Microsoft 365 are trademarks of Microsoft Corporation. Etsy is a trademark of Etsy, Inc. ProFormaGRID is an independent shop and is not affiliated with, endorsed by or sponsored by any of these companies.