{"product_id":"fire-tracker-calculator-financial-independence-retire-early-net-worth-excel-google-sheets","title":"FIRE Tracker Calculator | Financial Independence, Retire Early, Net Worth (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eFIRE is not a dream, it is math.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\n\u003ch3\u003eThree engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eFIRE Date Calculator\u003c\/strong\u003e — an NPER-based engine that projects the exact year, your age and the month you reach independence based on compound growth, not flat addition.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSafe Withdrawal\u003c\/strong\u003e — Trinity Study based, with three side-by-side scenarios at 3%, 4% and 5%.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCoast FIRE\u003c\/strong\u003e — the moment you can stop saving and let compounding finish the job.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 10 connected tabs and 280 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — age, target retirement, expenses, return rate and withdrawal rate\u003c\/li\u003e\n\u003cli\u003eDashboard — net worth, FIRE number, years to FIRE and progress\u003c\/li\u003e\n\u003cli\u003eNet Worth — monthly snapshots across cash, investments, retirement and real estate\u003c\/li\u003e\n\u003cli\u003eIncome \u0026amp; Spend — monthly tracking with an auto-calculated savings rate\u003c\/li\u003e\n\u003cli\u003eFIRE Calculator — the NPER date engine\u003c\/li\u003e\n\u003cli\u003eSafe Withdrawal — three withdrawal-rate scenarios\u003c\/li\u003e\n\u003cli\u003eCoast FIRE — your coast point\u003c\/li\u003e\n\u003cli\u003eProjections — portfolio at 1 to 30 years\u003c\/li\u003e\n\u003cli\u003eMilestones — 8 wealth levels from emergency fund to full FIRE number\u003c\/li\u003e\n\u003cli\u003eAnnual Review — year-over-year tracking with the best year highlighted\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAspiring FIRE pursuers who want a real date\u003c\/li\u003e\n\u003cli\u003eHigh earners and savers tracking progress\u003c\/li\u003e\n\u003cli\u003eCoast FIRE seekers\u003c\/li\u003e\n\u003cli\u003eLong-term investors who want compound math, not guesswork\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles 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.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor 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.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274157297857,"sku":null,"price":10.49,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8048316210_be6y.jpg?v=1780070557","url":"https:\/\/spendflowstudio.com\/products\/fire-tracker-calculator-financial-independence-retire-early-net-worth-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}