Best Retirement Calculator – Simple Excel Spreadsheet

by | Feb 4, 2023 | Simple IRA | 15 comments

Best Retirement Calculator – Simple Excel Spreadsheet




Download my ultimate retirement calculator excel spreadsheet by visiting the below link:

Also, check out my video explaining the basic concepts of retirement planning & investing:

Let me know if you guys like the sheet or would like to see additional features added in the future!…(read more)


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Retirement is one of the most important financial decisions you’ll make in your life. But planning for retirement can be complex and intimidating. That’s why having the right retirement calculator is so important. A retirement calculator can help you estimate how much money you’ll need to save and when you should start saving.

One of the best retirement calculators available is a simple Excel spreadsheet. This spreadsheet is easy to use and provides a comprehensive view of your retirement savings. It takes into account factors like your current age, retirement age, expected return on investments, and inflation rate. It also allows you to adjust assumptions and customize the results.

The spreadsheet also includes a retirement calculator that helps you estimate how much you’ll need to save each month to reach your retirement goal. This calculator takes into account factors like your current salary, expected return on investments, and inflation rate. It also allows you to adjust assumptions and customize the results.

The spreadsheet also includes a retirement calculator that helps you estimate how much you’ll need to save each year to reach your retirement goal. This calculator takes into account factors like your current salary, expected return on investments, and inflation rate. It also allows you to adjust assumptions and customize the results.

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Finally, the spreadsheet includes a retirement calculator that helps you estimate how much you’ll need to save each month to reach your retirement goal. This calculator takes into account factors like your current salary, expected return on investments, and inflation rate. It also allows you to adjust assumptions and customize the results.

Overall, the simple Excel spreadsheet is one of the best retirement calculators available. It’s easy to use and provides a comprehensive view of your retirement savings. Plus, it allows you to adjust assumptions and customize the results. If you’re looking for a retirement calculator, this spreadsheet is a great option.

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15 Comments

  1. Erik Tews

    Hello, and thank you for doing this work and sharing. Do you have any other information that helps understand how the columns work. I can study the formulas to get some idea, and in some cases I am coming up short understanding how a certain column/calculation works. Any help would be appreciated. Thanks again.

  2. Jeffrey Davis

    Great Calculator. Since I’m married and my wife works, how would you suggest to use this sheet best?

    Could I just add all income, savings and SS together?

  3. Mark Mizner

    Good Day,
    Appreciate the work you have already done on this spread sheet and for a simple portfolio it does a nice job. Unfortunately I have both a ROTH and a Traditional IRA as well as a bit of cash in my savings account, which this current version does not take into consideration.

    I also have a pension that I know is rare now a days. So in addition to my Social Security I'll be getting a pension and just taking out a little of my IRA's money each month. I am trying to find something or build something that will allow me to better track the draw down of my IRS's into the future.

    Good luck on any future refinements to the sheet, I am sure it will help some people better visualize what they need to do before retirement.

  4. Willy Ortiz

    Thank You! I see you added the SS income. Thanks for maintaining it as well.

  5. Chris Erikson

    I really like your work! Have you thought about adding a brokerage savings option? It would help round-out the tax options for investments…

  6. Jeff Retzlaff

    Similar/same question as Larry below… I have a state retirement system monthly benefit amount (that I can calculate elsewhere) to factor in. Where and how do I add that to the spreadsheet? Excellent work. Thank you.

  7. Larry Lynn

    I like this calculator, but l have a pension that will not be inflation adjusted, how will l add that to another line.

  8. Roy L

    Hi and thanks for sharing this tool! I'm a spreadsheet guy and I love this! I noticed that you added the social security benefit to the tool and having that rounds out the number even closer. One question – I also have another source of retirement income that's taxable and was wondering if there would be a problem if I just added that to the social security benefit amount. Were there any caps put for that benefit? This would provide an even more accurate estimate for my situation.

  9. Joe M

    This is a great sheet would like to be able to input stock/ Bond percentage. My workaround was to change the ROI on Bond to a higher number ( 2.5% I changed to 5%)

  10. JA Mag

    Thank you, this is exactly what I was looking for.

  11. Eric Brewer

    This has some very nice features. Would be perfect for us if it had: 1. Separate retirement accounts/annual savings/matching amounts for spouse. 2. Dollar amount increases in savings (mortgage paid off at a certain year). 3. Social Security withdrawals. 4. Brokerage account to use for early retirement (age 55-59.5).

  12. D Sininger

    Great calculator!

  13. Serenity Now

    thanks, it shows me how much I am off, lol. great work

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