FIRE Planner | Financial Independence & Early Retirement | Excel & Google Sheets

Financial independence isn't just a dream. It's a math equation — and this spreadsheet solves for your variables.

You're saving aggressively, but you don't know your number. When can you actually retire?

You've read the blogs, you follow the FIRE movement, you max your retirement accounts — but you can't answer the simplest question: "What is my FIRE number, and when will I hit it?"

Without a personalized plan calibrated to your spending, your investments, your withdrawal strategy, and your life goals, you're saving in the dark. You might be over-saving (wasting years you could be retired) or under-saving (headed for a shortfall).

Imagine knowing your exact FIRE number, your target retirement date, and watching your Financial Freedom Score climb as you get closer.

The FIRE Planner calculates everything — your FIRE number, your timeline, your savings rate impact, and your withdrawal strategy — using your real financial data, not generic assumptions. Watch your Freedom Score climb, run what-if scenarios, and get a plan you can actually execute.

Key Benefits

• Know your exact FIRE number — personalized to your spending and lifestyle
• See your retirement timeline — year-by-year projections based on your data
• Track your Financial Freedom Score — quantify your progress toward independence
• Run what-if scenarios — different withdrawal rates, savings rates, and returns
• Optimize your withdrawal strategy — 4% rule, variable withdrawals, and Roth ladder strategies

What's Inside

• FIRE Number Calculator — personalized to your spending
• Financial Freedom Score — know exactly how independent you are
• Year-by-Year Timeline Projection — see the path to retirement
• Investment Portfolio Tracker — optimized for early withdrawal strategies
• Net Worth Tracker — watch wealth accumulate
• Savings Rate Calculator — see the impact of saving more
• Wealth Projection Chart — watch your money grow
• Progress Milestones — celebrate every 10% of the journey
• Early Retirement Strategy Guide — built into the template

Who This Is For

Ambitious professionals who've discovered FIRE and want a personalized plan — not generic advice. Engineers, consultants, tech workers, and anyone serious about retiring early.

Format & Delivery

Works in Excel and Google Sheets. Instant digital download after purchase. Compatible with all devices.

Frequently Asked Questions

Does this handle LeanFIRE, FatFIRE, and CoastFIRE? Yes — adjust your spending targets and the planner adapts to any FIRE variant.

Can I model different market returns? Yes — the what-if scenario engine lets you stress-test your plan against different return assumptions.

Does this include Roth ladder / taxable account strategies? Yes — the withdrawal strategy section compares taxable, tax-deferred, and Roth strategies specifically for early retirees.