Investment Retirement Tracker Spreadsheet: 401k, Roth IRA, IRA, HSA, Brokerage, Dividends and Goal Progress, Excel and Google Sheets

Retirement money lives in too many places: a 401(k) from work, a Roth IRA here, an old IRA there, an HSA, a brokerage account — each with its own login and its own number that tells you nothing on its own. The Investment & Retirement Savings Tracker puts every account on one calm dashboard: total portfolio value, total contributed, total growth, dividends year to date, and exactly what % of your retirement goal you have reached.

- DASHBOARD — total portfolio value, total contributed, total growth (value minus contributed) and total dividends YTD, plus % of retirement goal, goal amount and still to save — all pulled automatically from the TOTAL cells on the other sheets
- ACCOUNTS — 8 sample accounts (401(k), Roth IRA, Traditional IRA, HSA, brokerage and cash) with a type dropdown (401k, Roth IRA, Traditional IRA, HSA, Brokerage, Cash), balance, contributed, growth (balance minus contributed) and % of portfolio, with a TOTAL PORTFOLIO row
- CONTRIBUTIONS — 12 dated sample contributions with an account dropdown and a LOG TOTAL. Clearly noted on the sheet: the Dashboard uses the ACCOUNTS totals, so the log never double-counts
- DIVIDENDS — 8 sample dividend entries with date, account and amount, plus a TOTAL that flows straight to the Dashboard
- ALLOCATION — your money by account type, totaled automatically with SUMIF from ACCOUNTS, with % of portfolio and a target % column you set yourself so drift is easy to spot
- RETIREMENT GOAL — enter your goal amount, current age and target age; current value (pulled from the ACCOUNTS total), remaining, % there, years left and a simple monthly needed figure (remaining divided by years times 12) calculate themselves. It is labeled on the sheet as a simplified estimate ignoring returns
- START HERE — a friendly 5-step setup guide; up and running in minutes

WHAT'S INSIDE (7 sheets):
- START HERE — 5-step setup guide with a color legend and an important note (see below)
- DASHBOARD — your whole portfolio and goal progress at a glance, fully automatic
- ACCOUNTS — every account with balance, contributed, growth and % of portfolio
- CONTRIBUTIONS — dated contribution log by account (informational)
- DIVIDENDS — dated dividend log with automatic total
- ALLOCATION — SUMIF totals by account type with target %
- RETIREMENT GOAL — goal inputs with progress and simplified monthly estimate

HOW IT WORKS: Download instantly, type in the yellow cells, everything calculates automatically. No spreadsheet skills needed — if you can type, you can run this.

WHAT YOU GET: 1 Excel file (.xlsx, 7 sheets) plus a ZIP containing the same file, works in Microsoft Excel and Google Sheets. Instant download.

PLEASE NOTE: Digital download; no physical item ships. The file comes prefilled with realistic sample data (8 accounts totaling $193,850, $150,100 contributed, $43,750 growth and $1,373 in dividends, working toward a $750,000 goal) so you can see every formula working — just type over it with your own numbers.

Organizer only — not investment advice. This tracker helps you organize your accounts, contributions and dividends in one place; it does not recommend investments, funds or strategies. Talk to a qualified financial professional about your own situation.

FREQUENTLY ASKED QUESTIONS:

Q: I opened the spreadsheet in Google Sheets and it says "view only" — how do I edit it?
A: That happens with Google Sheets from time to time. Open the file, then in the top menu choose File, then Make a copy. The copy belongs to you and is fully editable. If it still won't open, try a computer or laptop instead of a phone, a different browser, make sure you're signed in to Google Sheets, and check that your Google Drive has space. Still stuck? Message me on Etsy and I'll help you sort it out.

Q: I can't download my purchase on my phone — what am I doing wrong?
A: Nothing — the Etsy app doesn't support downloading files. Open your browser (log out of the Etsy app first if it keeps redirecting you), sign in to Etsy, and download from your Purchases page on a mobile browser, or use a laptop or desktop. Once the file is saved you can open it on your phone any time.

Q: What exactly is a spreadsheet template?
A: It's a ready-made spreadsheet with all the formatting and formulas already built in. Download it, type in the yellow cells, and everything else calculates itself. Colors, headings and layout can be customized if you like, but you never need to touch a formula.

Q: Does the monthly needed number on the Retirement Goal sheet account for investment growth?
A: No — and it says so right on the sheet. It is a simplified estimate: what is left to save divided by the months until your target age, ignoring returns, inflation and taxes. Use it as a motivation number, not a financial plan.

Q: Can I track accounts for two people?
A: Yes — the sample file already does: it includes a spouse Roth IRA alongside individual accounts. Just add a row label that makes clear whose account it is, and pick the right type from the dropdown.

Q: Can I return or exchange my purchase?
A: Because this is a digital download, returns and exchanges aren't possible once the file has been downloaded — you'll always keep access to it in your Etsy account. If you bought it by accident and haven't downloaded it yet, send me a message and I'll take care of it.

Q: Is it available in other languages?
A: Right now the tracker is in English only.

*This digital product has been created with the assistance of AI Tools, then refined by me, the seller*