These 7 free retirement planning spreadsheets will help you plan your financial future and experiment with savings, investment, and withdrawal rate scenarios.
Preparing your retirement takes careful planning that begins years in advance. A spreadsheet is a perfect tool for the job.
With a retirement spreadsheet, you can easily input your own numbers and experiment with different savings, investment growth, and withdrawal rate scenarios. This will provide an accurate picture of what your retirement might look like. It can also help you see where to make changes today to get where you want to be in the future.
(Of course, the future is uncertain, as are long-term rates of return, inflation, and even lifespan, so no plan is guaranteed – but as they say, failure to plan is planning to fail.)
Spreadsheets are also the one financial planning tool you will never outgrow. You can start using one today to budget, pay down debt, and track your net worth. And then in your post-retirement years, you can customize your spreadsheet with a budget that helps you optimize spending and protect your nest egg.
Following a budget can help you save more for retirement and reach your long-term financial goals. Learn about Tiller’s Foundation Template.
You can build your own retirement planner, but it’s faster and easier to get started with a free template. So here are seven of the best free retirement spreadsheet templates.
These spreadsheets can even help you find the best age to retire. For example, you might want to plan for early retirement, or a hybrid scenario where you keep working part-time or otherwise choose to delay your social security benefits.
Most of the spreadsheets below don’t need your actual bank statements or live financial data to forecast your retirement; ballpark figures should work.
However, if you want to run scenarios based on your real financial numbers, this post explains how to get your bank data into a spreadsheet.
Or you can sign up for a free trial of Tiller for the fastest, easiest, and most accurate way to keep your finances and savings updated in a spreadsheet.
Each day Tiller automatically imports your account balances, savings, and spending directly into Google Sheets and Microsoft Excel. Learn more here.
The flexible and easy-to-use Retirement Planner spreadsheet estimates the value of your savings and investments into the future. Experiment with growth rate scenarios and project outcomes in real time.
Note: Because it’s powered by Tiller, this template automatically pulls in your daily spending, balances, and transactions to show your daily progress toward your retirement goals.
This useful spreadsheet helps you track retirement goals, rates of return and inflation, current savings rate, and basic retirement needs.
The inputs for this spreadsheet include:
This is an easy, simple retirement calculator in Google Sheets to help you see what your financial situation might look like based on several customizable factors like desired yearly spending and current retirement Stash.
Based on the Retirement Planner for Google Sheets above, this workbook template for Excel estimates the value of your savings and investments into the future. Experiment with growth rate scenarios and project outcomes in real time.
Note: Because it’s powered by Tiller, this is the only automated spreadsheet template on the list – it automatically pulls in your daily spending, balances, and transactions to show exactly where you stand each day.
Set your retirement goals and determine how much savings you need with this accessible retirement financial planner template.
Enter your age, salary, savings, and investment return information, as well as desired retirement age and income, and the retirement planning template will calculate and chart the required earnings and savings each year to achieve your goals.
Prepare for a fulfilling retirement using this financial independence, retire early (FIRE) estimator template. Take control of your goals, evaluate risks, and adjust your lifestyle thoughtfully. Start planning your ideal retirement with this accessible template.
Careful cash flow planning is crucial for retirement security. By projecting income streams from investments, pensions, and Social Security against estimated expenses, retirees can identify potential shortfalls early.
The Cash Flow planning template for Google Sheets and Excel allow you to forecast your cash flow into the future and test different income/expense scenarios over the long term.
Whether your goal is to retire at 35 or 75, tracking your net worth can keep you organized and speed your progress. Indeed, tracking your net worth is a powerful way to stay aware of your financial standing, making it easier to prepare for retirement.
It can also help you make smarter money decisions for your long-term financial health.
Marketing Lead at Tiller. Writer. Spreadsheet nerd. Get in touch with partnership ideas at edward @ tillerhq.com.
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