For example, you might want to plan for early retirement, or a hybrid scenario where you keep working part-time or otherwise choose to delay your social security benefits. These spreadsheets can even help you find the best age to retire. So here are seven of the best free retirement spreadsheet templates. You can build your own retirement planner, but it’s faster and easier to get started with a free template. Get started with an easy retirement template Learn about Tiller’s Foundation Template. And then in your post-retirement years, you can customize your spreadsheet with a budget that helps you optimize spending and protect your nest egg.įollowing a budget can help you save more for retirement and reach your long-term financial goals. For example, we can create a Personal Budget Template with the parameters of our main expenses, as shown below. So that every month, we can keep track of the same without missing out on any parameters. You can start using one today to budget, pay down debt, and track your net worth. The Personal Budget Template in Excel helps users to create a template w.r.t the various expenses we may incur for a month, quarter, or a year. Spreadsheets are also the one financial planning tool you will never outgrow. (Of course, the future is uncertain, as are long-term rates of return, inflation, and even lifespan, so no plan is guaranteed – but as they say, failure to plan is planning to fail.) ![]() It can also help you see where to make changes today to get where you want to be in the future. ![]() This will provide an accurate picture of what your retirement might look like. With a retirement spreadsheet, you can easily input your own numbers and experiment with different savings, investment growth, and withdrawal rate scenarios. A spreadsheet is a perfect tool for the job. It is easy to use even if you don’t really know how to use Excel. You do not need special permissions to use the spreadsheet nor do you need to allow it any access to your bank account. It’s up to you to download it, use it on your laptop, PC or Mac, and save it securely. Preparing your retirement takes careful planning that begins years in advance. Our free Excel personal budget template is as secure as you make it.
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