Retirement and FIRE Planner
Target, the age you reach it, and the drawdown to 100, in today's money, verified
Savings to a target year by year in today's money, the age it is reached, then withdrawals at your spending to the plan age; both schedules verified.
One price, no licence to choose. Payment and VAT are handled by Gumroad, the merchant of record.
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.
Checked, not asserted. This workbook was recalculated cell by cell through a formula engine and matched against an independent replica written separately: 22 checks, all passing, last run 2026-10-17. Each check compares the figure the workbook produces against one worked out separately by hand before the run, so a figure lost in packaging fails the check rather than reaching you. Read the verification report for the UAE Corporate Tax workbook, or how Bindler verifies.
What was checked: all 14, by name
Each line is one figure recalculated and matched against a value worked out by hand before the run. The figures themselves are in the workbook.
- B4 Target, today's money vs
- B5 Age when the target is reached vs
- B6 Years from now vs
- B7 Balance at that point vs
- B8 Balance at the plan age, after withdrawals vs
- B9 Years of spending covered at the target (tar vs
- B11 Total contributed until the target vs
- runout Lasts to the plan age vs None
- accumulation year 1: vs
- accumulation year 5: vs
- accumulation year 24: vs
- drawdown year 1: vs
- drawdown year 10: vs
- drawdown year 30: vs
What is inside
1 Excel workbook (.xlsx), sheets: Inputs, Summary, Accumulation (70 years), Drawdown (75 years), Guide.
Use it if
You want the FIRE or retirement arithmetic done properly in one file you can check, not a black-box web calculator.
Not for
You want tax-aware pension planning, Monte Carlo simulation or advice; this is a single-return deterministic model.
Who you are buying from
Bindler is the trading name of Neil Sangwaiya, one person in Dubai. There is no company behind that name, no sales team and no reviews, and this page is not going to pretend otherwise. What there is instead is a record. Gumroad takes the payment and is the merchant of record, so your card details never reach Bindler. Where a figure could not be verified the cell is left blank rather than filled. When something was found wrong it was written down and dated in the change log with the old figure named. And there is a 30-day money back guarantee, no reason needed, handled by Gumroad.
What you actually download
One spreadsheet file. No macros and no VBA, because the .xlsx format cannot carry them. No locked cells and no hidden sheets. If your IT will not let you open a spreadsheet from outside, upload it to Google Sheets and it opens there. And yes, an AI built it: that is exactly why every figure is recalculated against a replica worked out by hand first, rather than trusted.
Sheet previews
How buying works
- Choose a licenceSingle user for one person, team for up to 10, consultancy to use with clients. The buttons above go to the Gumroad page.
- Pay on GumroadCard or PayPal; Gumroad is the merchant of record and handles VAT and the receipt.
- Download the fileThe .xlsx arrives on the receipt page and by email. It opens in Excel and Google Sheets; nothing to install.
- Use itYellow cells are inputs, blue cells are formulas, every figure names its source. Questions: reply to the receipt; every reply is read and answered, usually the same day.
Advisers and accountants who recommend these workbooks to clients can earn 30% of each sale as a Gumroad affiliate: sign up on the store, no approval wait.
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