12 Free Templates
Free Savings & Retirement Templates for Excel & Google Sheets
Calculators and trackers for savings goals, retirement planning, and compound growth.
About These Savings & Retirement Templates
Calculators and trackers for savings goals, retirement planning, and compound growth. Each template includes a dashboard with key metrics, formula-driven calculations, and realistic sample data. Download any template instantly - they work in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required.
All Savings & Retirement Templates
Savings Goal Tracker
Twelve goals, a row each: what it costs, what you have towards it, the date you want it by, and the remaining amount worked out for you. Overshoot a goal and the remainder reads zero rather than a negative. The Free Savings Goal Tracker spreadsheet template keeps all of that on one working sheet, with the How to Use guide on a second tab. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Emergency Fund Calculator
Four inputs at the top and four results underneath, with the months of runway yours to set rather than an assumption the file makes. The Free Emergency Fund Calculator spreadsheet template works out the target fund size, the amount still missing, and the time to the goal in months and in years. A contribution of zero and a fund already past its target are both guarded against. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Retirement Calculator
Five inputs: your age, the age you plan to stop, what you hold now, what you add each month and the return you assume. The Free Retirement Calculator spreadsheet template returns the projected balance at that retirement age, the years remaining, the total contributed including your starting balance, and the growth kept apart from what you put in yourself. One working sheet and a currency dropdown. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Retirement Savings Calculator
Four inputs and three results on one sheet, running backwards from a target rather than forwards from a contribution. Give the Free Retirement Savings Calculator spreadsheet template the target, the years, what you hold today and the return you assume, and it returns what today's savings become on their own, the gap left over, and the monthly contribution that gap asks for. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
401k Calculator
A salary, the share of it you contribute, your employer's match rate and the ceiling it stops at, the years you have left and a return you supply rather than one assumed for you. The Free 401k Calculator spreadsheet template gives back the annual amounts, your contribution and theirs shown apart, and a projected balance at the end. One working sheet, one figure that matters, and a How to Use tab beside it. Google Sheets or Excel. No macros, no VBA, no sign-up.
Traditional vs Roth Calculator
The same gross contribution on both sides - pre-tax into Traditional, the after-tax remainder into Roth. The Free Traditional vs Roth Calculator spreadsheet template taxes the Roth side at your current rate before it is invested and the Traditional side at your future rate on the way out, then reports a signed difference, so a negative figure means Traditional is ahead. Five inputs, four results, one sheet. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
College Savings Calculator
Five inputs, three results: what a year will cost by the time it is actually paid, what the whole degree comes to, and what reaching that would take each month. The Free College Savings Calculator spreadsheet template inflates tuition to the year it is due and builds the degree total as a series rather than multiplying the first year out - and it is guarded against a zero return, zero inflation, or a start date already reached. Google Sheets or Excel. No macros, no VBA, no sign-up.
Compound Interest Calculator
A starting amount, a monthly contribution, a rate and a number of years in. Back comes the balance at the end, the interest earned shown apart from what you put in yourself, and the total contributed - the comparison that makes compounding legible. The Free Compound Interest Calculator spreadsheet template also expresses the annual rate as a monthly one, so the arithmetic is visible rather than hidden. One working sheet. Google Sheets or Excel. No macros, no VBA, no sign-up.
Simple Interest Calculator
Three figures in - principal, annual rate and time - and two out: the interest across the whole term, and the total once that interest is added on. The Free Simple Interest Calculator spreadsheet template takes decimals in the time input, so half a year is 0.5, and displays the time you typed rather than rounding it to a whole year. Two tabs. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Annuity Calculator
A lump sum, an annual rate and a number of years in. Back comes the monthly payment that draws the balance down to nothing across the term, its annual equivalent, the total received by the end and the interest sitting inside that total. The Free Annuity Calculator spreadsheet template holds the whole calculation on one working sheet, with a How to Use guide on a second. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Savings Withdrawal Calculator
Three inputs - starting balance, monthly withdrawal and annual return - and the sheet returns how long the money lasts, in months as well as years. The Free Savings Withdrawal Calculator spreadsheet template holds the whole calculation on one working sheet, expresses the annual return per month, and recalculates every figure the moment an input changes. How to Use on a second tab. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
FIRE Calculator
Five assumptions in, three figures out. Take-home income, savings rate, what you already hold, what a year will cost once you stop, and a real expected return you set yourself so the assumption is never hidden. The Free FIRE Calculator spreadsheet template puts the target portfolio at twenty-five times your retirement spending, derives annual savings from your income and rate, and returns the years to reach it. One working sheet plus How to Use, in Google Sheets or Excel. No macros, no VBA, no sign-up.
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