Personal Finance - Template 60
Ultimate Wealth Planner & FIRE Tracker
Work out how much you need, and the year you get there.
Microsoft Excel◆Google Sheets◆.xlsx file
A complete wealth planner built around one question: how much do you need, and how long until you have it? Enter what comes in and what goes out on a single ledger and the workbook returns your FIRE number, your savings rate and the year you reach financial independence. This is a real FIRE engine rather than a single multiplier, so Coast FI, Lean FI, Barista FI and Fat FI are each worked out from your own numbers, and it knows the difference between spending that follows you into retirement and spending that stops. Every category even shows what it adds to your FIRE number, because a £50 a month habit needs £15,000 of capital behind it, forever.
What's inside · 21 tabs
- FIRE Dashboard - your progress, your time to independence and the age you arrive
- FIRE Plan - your number, your assumptions and the four tiers explained side by side
- Milestone Ladder - twenty rungs between here and independence, each with its own projected date
- Scenario Lab - six what ifs, one lever changed at a time, each with the years it saves you
- Withdrawal Planner - 3 to 7 per cent modelled, and exactly how long the pot lasts at each
- Net Worth & Investments - assets, debts, 36 months of history and every account's contributions and growth
- Savings Rate - the single number that decides how long all of this takes
- Transactions - one ledger every other tab reads - nothing is ever typed in twice
- Month & Year Dashboards - planned against actual, where it went, and what the year did to your independence
- Categories & Settings - rename anything once, mark what follows you into retirement, set any currency
Pairs Beautifully With
