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FIRE Calculator Google Sheets - Savings Goal Tracker, Early Retirement Planner and Savings Rate

GetNeatNumbers

By GetNeatNumbers

GetNeatNumbers ·

Spain

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  • Party decor for gatherings and celebrations
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  • Digital file type(s): 1 PDF

FIRE calculator and savings goal tracker for Google Sheets that uses your real income and spending, from your bank CSV, to estimate your savings rate and years to financial independence.

For anyone saving for early retirement, a house deposit or any goal with a target date. Each goal shows the monthly amount needed and whether you're on track.

What you get and what you need:

- A Google Sheets template, not a fillable PDF or an Excel file
- One PDF download that contains the link to make your copy of the template in your own Google Drive, plus setup instructions
- A free Google account is required
- Works in any web browser on a computer. Import your bank CSV on a computer; after that you can view and update it on your phone or tablet in the free Google Sheets app

What's Included

- Goals Sheet: Set as many savings goals as you want (vacation fund, house down payment, early retirement, etc.) with target amounts and dates. The template automatically calculates how much you need to save each month and tracks whether you're on pace.
- FIRE Projection Sheet: Get a realistic estimate of when you could reach financial independence based on your actual income, expenses, and savings rate. The formula uses a closed-form compound-growth calculation to show years to FI, not just a guess.
- Dashboard KPIs: See your savings rate, years to financial independence, and total progress toward all goals at a glance.
- Full Transaction Tracking: Import your bank CSV and automatically categorize every transaction. Review uncategorized entries, detect recurring payments, and forecast your spending.
- Recurring Payment Detector: Identify subscriptions and monthly bills automatically, so you know exactly what's leaving your account each month.

How It Works

- Import bank statements from any bank (CSV format)—the template finds the columns by their header names and detects date formats and decimal separators; one checkbox handles credit-card exports where charges are positive.
- Review and fix uncategorized merchants: pick a category once per merchant in Review and it becomes a rule for future imports; change a single transaction right in Transactions.
- Define your goals in the Goals sheet: enter a goal name, target amount, target date, and current savings. Months Remaining, Required Monthly Contribution, and On Track? are calculated automatically.
- Check the FIRE Projection sheet for your computed savings rate, FI number (net worth target), and years to financial independence. Adjust spending assumptions or return expectations anytime—the projections update live.
- Monitor your dashboard to see your key numbers roll up in real time as you log transactions and update goals.

Works with any bank CSV that has a header row

Visa, Mastercard, Amex, Chase, Bank of America, Barclays, Revolut, Wise, ING, or any bank that exports CSV. Import the CSV exactly as your bank exports it (File › Import › Append, header row included) — the template finds the Date, Description and Amount (or Debit + Credit) columns by their names. No manual conversion needed.

License & Disclaimer

Try it before you buy (view-only demo): https://docs.google.com/spreadsheets/d/1MTsesdJT3cEDJJZ16j67Qrq4ZFfNARR-ltaPdVS0Vcc/view

For personal use only. Not for resale or redistribution. © GetNeatNumbers 2026.

Important: The FIRE projections in this template are illustrative estimates based on simplified assumptions (constant annual return rate, constant annual contribution, no volatility modeling). They are not guaranteed investment returns and should not be considered financial advice. Actual market returns vary, investing carries risk, and you should consult a qualified financial advisor before making major financial decisions. This template is for planning and tracking only.

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Listed on Sep 30, 2026
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