FIRE Tracker Calculator | Financial Independence, Retire Early, Net Worth (Excel, Google Sheets)

FIRE is not a dream, it is math. Many people chasing financial independence give up because they never know where they stand: they guess at "maybe 20 years" and follow generic advice. This tracker turns FIRE into a working plan with an actual date attached, using NPER compound-growth math and Trinity Study research. Built with 10 connected tabs, 280 live formulas and three engines. Works in Excel and Google Sheets, with instant download.

Three engines

• FIRE Date Calculator — an NPER-based engine that projects the exact year, your age and the month you reach independence based on compound growth, not flat addition.
• Safe Withdrawal — Trinity Study based, with three side-by-side scenarios at 3%, 4% and 5%.
• Coast FIRE — the moment you can stop saving and let compounding finish the job.

What you get

• Excel file with 10 connected tabs and 280 live formulas
• Google Sheets compatible
• Quick Start Guide PDF
• CSV export for non-Excel users
• Free lifetime updates

Inside every tab

• Start Here — age, target retirement, expenses, return rate and withdrawal rate
• Dashboard — net worth, FIRE number, years to FIRE and progress
• Net Worth — monthly snapshots across cash, investments, retirement and real estate
• Income & Spend — monthly tracking with an auto-calculated savings rate
• FIRE Calculator — the NPER date engine
• Safe Withdrawal — three withdrawal-rate scenarios
• Coast FIRE — your coast point
• Projections — portfolio at 1 to 30 years
• Milestones — 8 wealth levels from emergency fund to full FIRE number
• Annual Review — year-over-year tracking with the best year highlighted

Who it is for

• Aspiring FIRE pursuers who want a real date
• High earners and savers tracking progress
• Coast FIRE seekers
• Long-term investors who want compound math, not guesswork

Instant delivery

Files arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.

For personal planning only. This is not financial or investment advice; projections rely on assumptions you set and are not guarantees. The Trinity Study is referenced for general context. Designed and built by SpendFlow Studio.