FIRE Calculator Spreadsheet, Early Retirement Planner, Financial Independence Tracker, Retirement Calculator, Excel Google Sheets

FIRE Calculator Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. Find out when you can retire. This FIRE & Retirement Calculator shows your FIRE number, the age you reach financial independence, and a year-by-year projection of your portfolio to age 100, all in today's dollars. Perfect for FIRE, Lean FIRE and Coast FIRE planners. ✨ NOW INCLUDES 4 FILES: a SAMPLE version (filled in so you can see exactly how it works) and a BLANK version (cleared and ready for your own info), each in an Excel edition and a Google Sheets edition. ★ WHAT'S INCLUDED ★ • 14 tabs: Start Here, Dashboard, Calculator, Expenses, Accounts, Projection, FIRE Types, Savings Rate, Scenarios, Drawdown, Net Worth Log, Milestones, Setup, Guide & FAQ • Clickable Start Here cover page with quick-start steps and a color key (yellow = you type, white = calculated) • FIRE Dashboard: FI number, invested today, progress to FI, FI age, years to FI, savings rate, monthly investing, Coast FIRE, safe income today, balance at retirement, money-lasts age and ahead/behind plan, plus FIRE progress bars, 8 plan health checks, key ages and 4 charts • FIRE Calculator: your age, target retirement age, Social Security or pension, and assumptions with grey defaults (return, inflation, safe withdrawal rate, contribution growth, tax on withdrawals). Shows your FI number, FI age and year, Coast FIRE number, balance at retirement in today's and future dollars, safe yearly spending, money-lasts age and the monthly amount needed to hit a target age • Retirement budget: 16 spending categories, today vs retirement, with Lean and Fat FIRE amounts and 2 charts • Accounts: up to 20 accounts (401(k), 403(b), 457(b), Traditional and Roth IRA, Roth 401(k), HSA, taxable, crypto, cash) with balance, monthly investing, employer match, tax bucket and a 2026 contribution limit check • Year-by-year projection for 65 years: contributions, growth, withdrawals, today's and future dollars, progress to FI and balances by tax bucket • Lean, Regular, Fat, Barista and Coast FIRE: each with its own FI number, progress, FI age and year, plus a custom target and a "what if I stop investing at age..." Coast check • Savings rate vs years to FI (5% to 90%) in 3 market scenarios, plus a savings rate x real return what-if grid • Scenarios: pessimistic, base and optimistic markets side by side (FI age, balance at retirement, money-lasts age) and what happens if you invest more or less each month • Retirement Drawdown: every year from retirement with Social Security, withdrawals from taxable, pre-tax, Roth and HSA in the order you choose, and flags for early 401(k)/IRA, Roth or HSA withdrawals • Net Worth Log (240 rows): log balances monthly, see net worth, ahead/behind plan, % of FI number and 2 charts • Milestones: $100k to $1M, 25/50/75% of FI, Coast, Lean, Barista, Regular and Fat FIRE plus your own, with the date you reached each one and projected ages • Setup: plan settings, market scenarios, withdrawal