Everything you need to plan your FIRE journey in one spreadsheet. No email required. No sign-up. Just download and start planning.

Works in Excel, Google Sheets, and LibreOffice

What's Included

Dashboard At-a-glance view of your key metrics: net worth, FIRE number, progress percentage, years to FIRE, savings rate, and milestone tracker.

Inputs Tab Single source of truth for all your numbers. Enter your age, assets, liabilities, income, expenses, and assumptions once.

FIRE Number Calculator Calculate your target using the 25x rule. Includes scenarios for different expense levels and withdrawal rates.

Coast FIRE Calculator Find out when you can stop saving aggressively and let compound growth do the rest. Scenarios for different retirement ages.

40-Year Projection Year-by-year breakdown showing your net worth growth, investment returns, and FIRE crossover point with a visual chart.

No Macros, Pure Formulas

This workbook uses standard Excel formulas only—no macros, no VBA. That means:

Full transparency: See exactly how every number is calculated
Cross-platform: Works identically in Excel, Google Sheets, and LibreOffice
Safe to use: No security warnings, no "enable macros" prompts
Easy to customize: Modify any formula to fit your situation

Default Assumptions

The workbook comes with sensible defaults that you can adjust:

7% annual return (historical stock market average)
3% inflation (typical long-term average)
4% safe withdrawal rate (the Trinity Study standard)

All assumptions are in the Inputs tab. Change them to match your expectations.

Want More?

The spreadsheet is great for planning, but if you want to track your progress over time with automatic updates, try the Progress Tracker—our interactive dashboard that saves your data locally and shows beautiful visualizations of your FIRE journey.

Try the Interactive Version

The Progress Tracker offers the same calculations with a better interface, automatic milestone tracking, and projection charts that update as you add data.

Open Progress Tracker →