Personal Financial Life Plan & Retirement Model – Excel XLSX

BENEFITS OF THIS DOWNLOADABLE EXCEL DOCUMENT

1. Change any assumption and every number recalculates -- 50 years of household cash flow, net worth and retirement readiness in pure Excel formulas.
2. A built-in Monte Carlo (Lite) simulation re-runs your plan across 250 paths and shows the spread of outcomes as P10, P50 and P90.
3. Includes a loan and mortgage module and an optional tax rate, with no macros, no add-ins and no subscription; works in Excel, Google Sheets and LibreOffice.

RETIREMENT EXCEL DESCRIPTION

Personal Financial Life Plan & Retirement Model is an Excel template (XLSX) available for immediate download upon purchase.

Personal Financial Life Plan & Retirement Model – a 50-year, fully editable Excel projection of your household cash flow, net worth and retirement readiness. Now with a loan/mortgage module, an optional tax rate, and a built-in Monte Carlo simulation.

Change any assumption and every number recalculates. Built entirely in Excel formulas – no macros, no add-ins, no subscription. Works in Excel 2016+, Google Sheets and LibreOffice.

WHAT IT DOES
•  Projects income, expenses, investment returns and your asset balance year by year, from your current age to your chosen life expectancy.
•  Shows the headline results that matter: assets at retirement, the age your money would run out (if ever), the lowest balance along the way, and your plan-end position.
•  Three return scenarios – cautious, base and optimistic – side by side, plus an interactive dashboard with net-worth charts, key metrics and your asset CAGR.
•  Monte Carlo (Lite): re-runs your plan across 250 randomized return paths and shows the spread of outcomes (P10, P50, P90) with a distribution chart. Deterministic by default; flip one cell to randomize, and the same seed reproduces the same paths.
•  Loan and mortgage module: enter amount, rate, term and start age, and the model amortizes the debt and folds the impact into your net worth.
•  Optional effective tax rate applied to investment returns.
•  Handles salary growth, expense inflation, a separate retirement spending level, a second income such as a pension, and up to six one-off events (home purchase, education, downsizing, inheritance, and so on).

WHAT IS INSIDE (9 tabs)
1. Read Me – how to use, with a full guide.
2. Assumptions – your inputs; edit the shaded cells only.
3. Annual Projection – the year-by-year engine.
4. Retirement & Longevity – the headline results.
5. Scenarios – cautious, base and optimistic side by side.
6. Monte Carlo (Lite) – the range of simulated outcomes.
7. Dashboard – net-worth charts, key metrics and asset CAGR.
8. Checks – input-integrity validation.
9. Disclaimer.

WHO IT IS FOR
Individuals planning their own finances, and advisors who want a clean, transparent, white-labelable model to work through a plan with someone.

NOTES
•  Currency-agnostic – set your own currency symbol.
•  Works in Excel 2016+, Microsoft 365, Google Sheets and LibreOffice. No macros, no add-ins, and no subscription.
•  The Monte Carlo tab reports the spread of simulated outcomes only; it is not a probability of any real-world result. This is a general information and estimation tool, not investment, tax or insurance advice, and it recommends no specific products. See the Disclaimer tab.

Source: Best Practices in Retirement, Integrated Financial Model Excel: Personal Financial Life Plan & Retirement Model Excel (XLSX) Spreadsheet, Argo Decks