Planners built on the same maths as the calculators
The calculators on this site answer one question at a time. These spreadsheets are for the ongoing plan: year-by-year projections, scenario testing, the drawdown years, and a monthly record of whether you are actually on track. Every figure reconciles with the free tools.
FIRE Planner: Free
- Your FIRE number and Coast FIRE number
- Coast target for every age from 25 to 60
- Fixed 4% withdrawal rate
FIRE Planner: Essentials
- A Plan sheet with every assumption editable, not fixed at 4%
- A year-by-year projection from today to retirement, with the crossing year flagged
- A three-scenario comparison: pessimistic, base and optimistic real returns, side by side
FIRE Planner: Ultimate
Most complete- Dashboard with your headline numbers and progress at a glance
- 40-year projection with inflation-adjusted spending
- Lean, regular and fat targets compared side by side, each with its own date
FIRE Planner: UK Edition
- A bridge phase funded from ISAs, from the year you stop work to pension access age
- A pension phase from that age onward
- An editable State Pension input, with your target shown both with and without it counted
FIRE Planner: Australia Edition
- A Super Bridge sheet splitting your target into money outside super and money inside it
- A clear shortfall flag if either bucket is short, so you know which one to feed
- Preservation age as an editable assumption
Net Worth Tracker
- An account register covering cash, investments, pensions, property and debts
- A 36-month log that totals assets, debts and net worth automatically
- A progress sheet showing percentage to target, monthly change, twelve-month change and average growth
The Complete FIRE Bundle
Every planner and the tracker, in one purchase. Bought separately they come to £99.00; together they are £39.00.
What each edition includes
| Feature | Free | Essentials £15 | Ultimate £23 |
|---|---|---|---|
| FIRE number and Coast FIRE number | Yes | Yes | Yes |
| Coast target by age | Yes | Yes | Yes |
| Editable withdrawal rate, returns, inflation and fees | Fixed at 4% | Yes | Yes |
| Year-by-year projection with the crossing year flagged | No | Yes | Yes |
| Scenario comparison (pessimistic / base / optimistic) | No | Yes | Yes |
| Charts | No | Two | Three |
| Lean / regular / fat targets side by side | No | No | Yes |
| Coast FIRE sensitivity grid (age × real return) | No | No | Yes |
| Retirement drawdown model | No | No | Yes |
| Sheets | 1 | 3 | 6 |
The UK and Australia editions contain everything in Essentials plus a country sheet: the ISA bridge to pension access age for the UK, and the superannuation preservation-age split for Australia.
How they work
- Instant download. No subscription, one payment, free updates for life.
- Excel, Google Sheets and Numbers. Nothing exotic is used, so they open anywhere.
- Every assumption is editable. Rates, ages and allowances sit in labelled cells that the formulas reference, so nothing is buried inside a formula.
- They agree with the website. Same formulas, same defaults. A $40,000 lifestyle gives a $1,000,000 FIRE number and a $253,415 Coast FIRE number in the spreadsheet and in the calculator alike.
Questions
Do I need Microsoft Excel?
No. Everything works in free Google Sheets, and in Apple Numbers. Only standard spreadsheet functions are used.
Why buy one if the calculators are free?
The calculators answer a question in ten seconds. The spreadsheets are for the plan you keep: projections year by year, scenarios side by side, the drawdown phase, and a monthly log of whether reality matches the plan. If the free tools answer everything you need, use those, they are not going anywhere.
Which edition should I pick?
Start free. If you want your own assumptions and a projection, Essentials. If you want the drawdown model and the Coast FIRE grid, Ultimate. If you are in the UK or Australia, take that country edition instead, because the local account rules change the answer.
Is this financial advice?
No. These are calculation tools for education. They cannot know your tax position, debts or risk tolerance. For decisions about your own money speak to a qualified professional in your jurisdiction. See our method and who builds these.