Retirement Planner Spreadsheet (Excel + Google Sheets)

Retirement planner spreadsheet for Excel and Google Sheets: nest egg vs target, how long the money lasts, extra saving needed, income sources for two people, year-by-year projection, three scenarios, retirement budget, savings tracker and checklist.

Watch the setup guide & full tour

See your nest egg, your target, how long the money lasts and the extra saving that closes the gap, year by year, for one or two people.

What's Inside

1. START HERE: steps and how the maths works
2. DASHBOARD: years to go, nest egg, target, on-track %, money lasts until age, today's money, extra saving needed, first year of retirement, chart
3. MY NUMBERS: two ages, retire and plan-to ages, savings by account, monthly saving + match, raise %, returns, inflation, withdrawal rate, spending
4. RETIREMENT BUDGET: 18 categories now vs in retirement, chart
5. INCOME SOURCES: Social Security / state pension, pensions, part-time, rent, with ages and inflation
6. PROJECTION: every year to your plan-to age, with today's-money column
7. SCENARIOS: cautious, expected and hopeful side by side, chart
8. SAVINGS TRACKER: real balances by account, chart
9. CHECKLIST: 20 jobs from now to retired

Why You'll Like It

• Built for couples: two ages, income sources by person
• "Money lasts until" age, not just a nest-egg number
• Extra monthly saving needed to close the gap
• Three scenarios side by side
• Retirement budget by category feeds the plan
• Works in Excel AND Google Sheets, formulas only

How It Works

1. Download the .xlsx file and the Setup Guide PDF
2. Excel: open it. Google Sheets: create a blank sheet, then File > Import > Upload > Replace spreadsheet
3. Follow the Start Here tab, or watch the setup video

Please Note

• Digital download, no physical item is shipped
• A computer is recommended for setup; the Google Sheets app works for quick updates
• Projections are estimates from the returns and inflation you type. A planning tool, not financial, tax or investment advice.
• For personal and business use. Please don't resell or share the files

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