Free spreadsheet for retirement planning
Type your age, the age you want to retire, what you have saved and what you put in each month. Pick a growth rate you think is fair. The sheet works out your balance every year until you retire, a rough yearly and monthly income from it, and how long the money could last. Every rate in it is your own assumption, so you can try a careful guess and a hopeful one and see the difference.
Pro Want to see your whole retirement picture, from every account and income source, in today's money? See Retirement Planner Pro →| Planrowsandcells.com | ||||||||
| Your savings year by year, to retirement and beyond.Free template | ||||||||
| Current age | Retirement age | Savings now | Monthly contribution | Yearly growth (your guess) | Yearly raise in contributions | Withdrawal rate in retirement | First year | |
|---|---|---|---|---|---|---|---|---|
| 38 | 65 | $62,000.00 | $750.00 | 6% | 2% | 4% | 2026 | |
| Projectionrowsandcells.com | ||||||||
| Worked out from your other tabs. Shaded cells are formulas: nothing to type here.Free template | ||||||||
| Year | Age | Phase | Start balance | Contributions | Withdrawals | Growth | End balance | |
|---|---|---|---|---|---|---|---|---|
| 2026 | 38 | Saving | $62,000.00 | $9,000.00 | $0.00 | $3,990.00 | $74,990.00 | |
| 2027 | 39 | Saving | $74,990.00 | $9,180.00 | $0.00 | $4,774.80 | $88,944.80 | |
| 2028 | 40 | Saving | $88,944.80 | $9,363.60 | $0.00 | $5,617.60 | $103,926.00 | |
| 2029 | 41 | Saving | $103,926.00 | $9,550.87 | $0.00 | $6,522.09 | $119,998.96 | |
| 2030 | 42 | Saving | $119,998.96 | $9,741.89 | $0.00 | $7,492.19 | $137,233.04 | |
| 2031 | 43 | Saving | $137,233.04 | $9,936.73 | $0.00 | $8,532.08 | $155,701.85 | |
| 2032 | 44 | Saving | $155,701.85 | $10,135.46 | $0.00 | $9,646.17 | $175,483.48 | |
| 2033 | 45 | Saving | $175,483.48 | $10,338.17 | $0.00 | $10,839.15 | $196,660.80 | |
| 2034 | 46 | Saving | $196,660.80 | $10,544.93 | $0.00 | $12,116.00 | $219,321.73 | |
| 2035 | 47 | Saving | $219,321.73 | $10,755.83 | $0.00 | $13,481.98 | $243,559.54 | |
| 2036 | 48 | Saving | $243,559.54 | $10,970.95 | $0.00 | $14,942.70 | $269,473.19 | |
| 2037 | 49 | Saving | $269,473.19 | $11,190.37 | $0.00 | $16,504.10 | $297,167.66 | |
| 2038 | 50 | Saving | $297,167.66 | $11,414.18 | $0.00 | $18,172.49 | $326,754.33 | |
| 2039 | 51 | Saving | $326,754.33 | $11,642.46 | $0.00 | $19,954.53 | $358,351.32 | |
| 2040 | 52 | Saving | $358,351.32 | $11,875.31 | $0.00 | $21,857.34 | $392,083.97 | |
| 2041 | 53 | Saving | $392,083.97 | $12,112.82 | $0.00 | $23,888.42 | $428,085.21 | |
| 2042 | 54 | Saving | $428,085.21 | $12,355.07 | $0.00 | $26,055.76 | $466,496.04 | |
| 2043 | 55 | Saving | $466,496.04 | $12,602.17 | $0.00 | $28,367.83 | $507,466.04 | |
| 2044 | 56 | Saving | $507,466.04 | $12,854.22 | $0.00 | $30,833.59 | $551,153.85 | |
| 2045 | 57 | Saving | $551,153.85 | $13,111.30 | $0.00 | $33,462.57 | $597,727.72 | |
| 2046 | 58 | Saving | $597,727.72 | $13,373.53 | $0.00 | $36,264.87 | $647,366.12 | |
| 2047 | 59 | Saving | $647,366.12 | $13,641.00 | $0.00 | $39,251.20 | $700,258.32 | |
| 2048 | 60 | Saving | $700,258.32 | $13,913.82 | $0.00 | $42,432.91 | $756,605.05 | |
| 2049 | 61 | Saving | $756,605.05 | $14,192.09 | $0.00 | $45,822.07 | $816,619.21 | |
| 2050 | 62 | Saving | $816,619.21 | $14,475.94 | $0.00 | $49,431.43 | $880,526.58 | |
| 2051 | 63 | Saving | $880,526.58 | $14,765.45 | $0.00 | $53,274.56 | $948,566.59 | |
| 2052 | 64 | Saving | $948,566.59 | $15,060.76 | $0.00 | $57,365.82 | $1,020,993.17 | |
| 2053 | 65 | Retired | $1,020,993.17 | $0.00 | $40,839.73 | $60,034.40 | $1,040,187.84 | |
| 2054 | 66 | Retired | $1,040,187.84 | $0.00 | $40,839.73 | $61,186.08 | $1,060,534.19 | |
| 2055 | 67 | Retired | $1,060,534.19 | $0.00 | $40,839.73 | $62,406.86 | $1,082,101.32 | |
| 2056 | 68 | Retired | $1,082,101.32 | $0.00 | $40,839.73 | $63,700.89 | $1,104,962.48 | |
| 2057 | 69 | Retired | $1,104,962.48 | $0.00 | $40,839.73 | $65,072.56 | $1,129,195.31 | |
| 2058 | 70 | Retired | $1,129,195.31 | $0.00 | $40,839.73 | $66,526.53 | $1,154,882.11 | |
| 2059 | 71 | Retired | $1,154,882.11 | $0.00 | $40,839.73 | $68,067.73 | $1,182,110.11 | |
| 2060 | 72 | Retired | $1,182,110.11 | $0.00 | $40,839.73 | $69,701.41 | $1,210,971.79 | |
| 2061 | 73 | Retired | $1,210,971.79 | $0.00 | $40,839.73 | $71,433.12 | $1,241,565.18 | |
| 2062 | 74 | Retired | $1,241,565.18 | $0.00 | $40,839.73 | $73,268.72 | $1,273,994.17 | |
| 2063 | 75 | Retired | $1,273,994.17 | $0.00 | $40,839.73 | $75,214.46 | $1,308,368.90 | |
| 2064 | 76 | Retired | $1,308,368.90 | $0.00 | $40,839.73 | $77,276.94 | $1,344,806.11 | |
| 2065 | 77 | Retired | $1,344,806.11 | $0.00 | $40,839.73 | $79,463.17 | $1,383,429.55 | |
| 2066 | 78 | Retired | $1,383,429.55 | $0.00 | $40,839.73 | $81,780.58 | $1,424,370.40 | |
| 2067 | 79 | Retired | $1,424,370.40 | $0.00 | $40,839.73 | $84,237.03 | $1,467,767.70 | |
| 2068 | 80 | Retired | $1,467,767.70 | $0.00 | $40,839.73 | $86,840.87 | $1,513,768.84 | |
| 2069 | 81 | Retired | $1,513,768.84 | $0.00 | $40,839.73 | $89,600.94 | $1,562,530.05 | |
| 2070 | 82 | Retired | $1,562,530.05 | $0.00 | $40,839.73 | $92,526.61 | $1,614,216.93 | |
| 2071 | 83 | Retired | $1,614,216.93 | $0.00 | $40,839.73 | $95,627.82 | $1,669,005.02 | |
| 2072 | 84 | Retired | $1,669,005.02 | $0.00 | $40,839.73 | $98,915.11 | $1,727,080.40 | |
| 2073 | 85 | Retired | $1,727,080.40 | $0.00 | $40,839.73 | $102,399.63 | $1,788,640.30 | |
| 2074 | 86 | Retired | $1,788,640.30 | $0.00 | $40,839.73 | $106,093.23 | $1,853,893.80 | |
| 2075 | 87 | Retired | $1,853,893.80 | $0.00 | $40,839.73 | $110,008.44 | $1,923,062.51 | |
| 2076 | 88 | Retired | $1,923,062.51 | $0.00 | $40,839.73 | $114,158.56 | $1,996,381.34 | |
| 2077 | 89 | Retired | $1,996,381.34 | $0.00 | $40,839.73 | $118,557.69 | $2,074,099.30 | |
| 2078 | 90 | Retired | $2,074,099.30 | $0.00 | $40,839.73 | $123,220.77 | $2,156,480.34 | |
| 2079 | 91 | Retired | $2,156,480.34 | $0.00 | $40,839.73 | $128,163.63 | $2,243,804.24 | |
| 2080 | 92 | Retired | $2,243,804.24 | $0.00 | $40,839.73 | $133,403.06 | $2,336,367.57 | |
| 2081 | 93 | Retired | $2,336,367.57 | $0.00 | $40,839.73 | $138,956.86 | $2,434,484.70 | |
| 2082 | 94 | Retired | $2,434,484.70 | $0.00 | $40,839.73 | $144,843.89 | $2,538,488.86 | |
| 2083 | 95 | Retired | $2,538,488.86 | $0.00 | $40,839.73 | $151,084.14 | $2,648,733.27 | |
| 2084 | 96 | Retired | $2,648,733.27 | $0.00 | $40,839.73 | $157,698.80 | $2,765,592.34 | |
| 2085 | 97 | Retired | $2,765,592.34 | $0.00 | $40,839.73 | $164,710.35 | $2,889,462.96 | |
| 2086 | 98 | Retired | $2,889,462.96 | $0.00 | $40,839.73 | $172,142.59 | $3,020,765.82 | |
| 2087 | 99 | Retired | $3,020,765.82 | $0.00 | $40,839.73 | $180,020.76 | $3,159,946.85 | |
| 2088 | 100 | Retired | $3,159,946.85 | $0.00 | $40,839.73 | $188,371.62 | $3,307,478.74 | |
| 2089 | 101 | Retired | $3,307,478.74 | $0.00 | $40,839.73 | $197,223.53 | $3,463,862.54 | |
| 2090 | 102 | Retired | $3,463,862.54 | $0.00 | $40,839.73 | $206,606.56 | $3,629,629.37 | |
| 2091 | 103 | Retired | $3,629,629.37 | $0.00 | $40,839.73 | $216,552.57 | $3,805,342.21 | |
| Summaryrowsandcells.com | |||||
| Worked out from your other tabs. Shaded cells are formulas: nothing to type here.Free template | |||||
| Result | Value | ||||
|---|---|---|---|---|---|
| Years until you retire | 27 | ||||
| First year of retirement | 2053 | ||||
| Balance when you retire | $1,020,993.17 | ||||
| Total you put in (savings now plus contributions) | $380,098.92 | ||||
| Growth on top (at your assumed rate) | $640,894.25 | ||||
| Growth as a share of the balance | 62.8% | ||||
| Rough yearly income from savings | $40,839.73 | ||||
| Rough monthly income from savings | $3,403.31 | ||||
| Savings run out at about age | Past 103 | ||||
| Balance left at age 90 | $2,156,480.34 | ||||
What's inside
- One row of inputs: your age, retirement age, savings, monthly contribution and the rates you want to assume
- A year-by-year projection with start balance, contributions, withdrawals, growth and end balance
- Contributions can rise each year by a percentage you choose, like a yearly raise
- Your balance when you retire, how much of it you put in and how much came from growth
- A rough yearly and monthly income using a withdrawal rate you set, and the age the money could run out
- 66 years of rows, plain formulas, and works in Google Sheets and Excel
How to use it
Download your copy
Click "Free download" to save the .xlsx file. It opens in Excel, or in Google Sheets: open a blank sheet (sheets.new) and choose File, then Import, then Upload. Your numbers stay in your own file.
Fill in the Plan row
Type your current age, the age you'd like to retire, what you have in retirement accounts today and what you add each month. If you're paid every two weeks, multiply one paycheck's contribution by 26 and divide by 12.
Choose your assumptions
Pick a yearly growth rate, how much your contributions might rise each year, and a withdrawal rate for retirement. These are your guesses, not facts. Start careful and try others later.
Read the Summary
The Summary tab shows your balance on the day you retire, the split between what you put in and growth, a rough income, and the age the money could run out at your withdrawal rate.
Scroll the Projection
The Projection tab shows every year: Saving years add contributions, Retired years take withdrawals. Look for the year your balance passes a goal, or the year it starts to shrink.
Update once a year
Each year, type your real balance and contribution, move your age up one and set the first year to the new year. The plan redraws from where you actually are.
Tips
Try three growth rates
Copy the file or change the rate and write down the results: a low, a middle and a high guess. If the plan only works at the high rate, that's worth knowing early.
Count employer money too
If your employer adds to your account, include their part in your monthly contribution. It's money going into the account either way.
Mind inflation
The sheet shows future dollars. A balance that looks large in 30 years buys less than it would today. One rough fix is to use a growth rate a few points lower, so the results read closer to today's money.
Get a second opinion
This is a rough projection, not a plan built for you. Taxes, fees, pensions, government benefits and health costs all change the picture. A licensed financial professional can look at your whole situation.
Questions
How does the sheet work out growth?
Each year it adds your growth rate on the start balance, plus half a year of growth on that year's contributions, since they come in through the year. It's a simple yearly estimate. Real returns go up and down from year to year.
What growth rate should I use?
That's your call, and nobody knows future returns. Some people use a careful rate for planning and a higher one to see the hopeful case. Past returns don't promise future ones. A financial professional can help you pick rates that suit your investments.
What is the withdrawal rate?
It's the share of your balance you take out each year once you retire. The sheet works out the first year's amount from your balance at retirement and keeps it the same each year after. A 4% figure is often quoted as a rule of thumb, but it's a starting point for a conversation, not a rule.
Does it include Social Security or a pension?
No. It only projects your own savings. Add your expected benefit or pension to the rough monthly income on the Summary tab to see your total. The Pro version has rows for these and shows the gap to the income you want.
Are taxes included?
No. The balances are before any tax you may owe when you take money out, and that depends on the account type and where you live. Ask a tax professional how it applies to you.
Why does it say Past and an age?
It means your savings never reach zero within the 66 years the sheet covers. If your withdrawals are smaller than your growth, the balance can keep growing in retirement.
Is this template free?
Yes. Download the .xlsx file and open it in Excel or Google Sheets. There's no sign-up and no email needed.
Pro version
Retirement Planner Pro
List every account and every income source once, and see what your savings could grow to, the income they could pay and how long they could last under low, middle and high growth.
All your accounts in one plan
Up to 8 accounts, each with its own balance, monthly amount and yearly raise. See what each one could be worth the year you retire, and the total.
Employer match worked out for you
Type the match as a share of what you put in and the limit as a share of your pay. The sheet adds the employer money every year as your pay rises.
Results in today's money
Set your own inflation guess and every big number also shows what it would buy today, so a large future balance doesn't look bigger than it is.
Low, middle and high growth side by side
Type three growth rates of your own, before and during retirement. A status for each says On track, Close or Runs short, so you can see if the plan only works in the hopeful case.
Your income gap, year by year
Add government benefits, pensions, annuities or part-time work with the age each starts and stops. The sheet takes what your income goal still needs from savings and shows the age your savings could last until.
Easy to keep up to date
Type your balances and ages once a year and the 80-year projection redraws. Pick a scenario on the Dashboard and every card, chart and tab follows.
| Free | Pro |
|---|---|
| One savings balance | Up to 8 accounts, each projected to retirement |
| One growth rate | Low, middle and high growth, before and during retirement |
| · | Employer match with a limit based on your pay |
| · | Every result also in today's money |
| · | Benefits, pensions and work income with start and end ages |
| Flat yearly withdrawal | Withdrawals that follow your income goal as prices rise |
| Age the money could run out | Age it could run out, income not covered and a status for each scenario |
| · | Dashboard with charts and an income-at-any-age picker |
$19 one-time
8 tabs: Start Here, Dashboard, Setup, Accounts, Income, Projection, By Account and Scenarios. You get two copies: one filled in with a sample plan so you can see it working, and a blank one ready for your own numbers.
Buy now- Instant download after checkout
- Works in Google Sheets and Excel
- Yours to keep and reuse every year