FIRE Spreadsheet: Net Worth & Early Retirement Tracker

What's inside

• Monthly net-worth and savings-rate log
• FIRE number, progress and FI age
• Coast FIRE and a 40-year projection chart

The tabs

1. Dashboard
2. Net worth log

With the example data

It opens filled with a realistic example, so you can see how it works before you type your own numbers.

FIRE number

$1,000,000

Progress

7%

Years to FI

22.4

How you use it

1. Dashboard: enter the yearly spending you expect in retirement, your withdrawal rate, expected return after inflation, birth year and how much you invest each year.
2. Net worth log: once a month, add a row with your balances, take-home income and spending. The example rows show the format; replace them with yours.
3. Read your FIRE number, progress and projected age at financial independence on the Dashboard.
4. Revisit your spending and return assumptions once a year. Small changes move the date a lot.

Try the free calculators first

The sheet does the same math as these calculators, every month, with your own numbers.

• FIRE CalculatorHow much do I need to retire early, and when will I get there?
• 401(k) CalculatorHow much will my 401(k) be worth when I retire?
• Net Worth CalculatorWhat am I worth, and how do I compare?

Questions