Retirement and FIRE Planner

One question, answered on your own numbers: when does the money you are putting away reach the amount that funds the life you want, and does it last? Inputs: age, what you have, the yearly contribution and how it grows, the real return while saving, the spending you want, the withdrawal rate that sets the target, the real return once retired, and the age to plan to. Everything is in today's money, so you enter real returns and read real answers.

Accumulation: seventy years, contributions arriving through the year, the year and the balance when you cross the target. Drawdown: from that year, your spending comes out and the rest grows, to the plan age, with the balance at the end or the age the money runs out. Summary: the target, the age it is reached, years from now, the balance then, the balance at the plan age, years of spending the target covers, total contributed.

• Both schedules and the summary recalculated with a formula engine and matched to an independent Python replica before listing.
• Live formulas, no macros, no locked cells; opens in Excel and Google Sheets.
• Tax, pensions, sequence-of-returns risk and market crashes are outside the workbook and the Guide says so plainly. Arithmetic on your assumptions, not financial advice.