Many shy away from investing the proper amount of time into a detailed retirement plan and resort to high level online retirement calculators. Don't fall into that trap- start planning properly with our Excel based retirement calculator now.

The Retirement Calculator and Planner for Excel:

Retirement Savings Spreadsheet
Select from four Excel solvers:
1. Retirement funds longevity
2. Are you saving enough?
3. Allowable retirement spending
4. When can you retire?
View enlarged Excel spreadsheet
Asset Allocation Spreadsheet
• Set pre-retirement and your post-retirement asset allocation.
• Use investment options we provide or customize your own investment options and returns.
View enlarged Excel spreadsheet
Income/Spending Spreadsheet
• Enter retirement income by source (Social security, pension, etc.). Adjust for inflation if desired.
• Calculates expected retirement spending based on your inputs.
View enlarged Excel spreadsheet
Cash Flow Spreadsheet
• See all the income, investment return and expenditures by year.
• Make manual one time adjustments by year for precision retirement planning.
View enlarged Excel spreadsheet

Why use our Excel Retirement Calculator Spreadsheet?

No Monthly Fees!

We offer our Excel Retirement Calculator & Planner for a one time payment of $15.95 - we do not charge monthly fees


Your Personal Information is Secure

Many retirement planning software sites store your information online. What if you'd rather not enter your personal financial information over the web? With our Excel retirement planner spreadsheet, your personal information stays on your computer, not the web.


Powered by MS Excel Spreadsheets

You will appreciate what our Excel based Retirement software can do. Because our retirement calculator is an Excel spreadsheet, there is no additional software to set up... just download the spreadsheet and go! Click here for our Retirement Calculator demo download.


Free Support

If you have any questions, or you need our help in any way, we're here to help. Just email us at



Excel Retirement Calculator Features

 The Retirement Calculator & Planner determines:

• How long your retirement funds will last
• If you're saving enough today
• Calculates necessary annual contribution adjustments (+/-)
• How much you can afford to spend during retirement
• How soon you can retire (based on annual contributions, investment return, etc.)
• How much you can spend during retirement
• How inflation affects your retirement
• How much you will need to save
• How much you will spend during retirement
• Which variables are the most sensitive
• Level of Income tax during retirement
• If your retirement goals are realistic

 The Retirement Calculator & Planner variables:

• Current Age (yourself & spouse)
• Desired Retirement Age (yourself & spouse)
• Life Expectancy
• Pre-Retirement Asset Allocation
• Post-Retirement Asset Allocation
• Current retirement contributions/savings (401k, IRA's, Other Investments)
• Inflation
• Retirement Spending
• Retirement Income (Social security, Pensions, Retirement Income Tax)

Mac Compatible

- Works with all versions of Excel for Macintosh.
- No alternate Macintosh version or additional downloads necessary.


Works on iPhone and iPad

Just download the Microsoft Excel App FREE, from Apple's App Store.


Try our Excel based Retirement Software for Free



Retirement Planning Tips

 Understand your Financial Assumptions

A retirement plan is only as good as the assumptions used. We can not stress enough the importance of understanding the variables and assumptions you use when building a retirement plan. A slight overestimation of investment returns or underestimation of inflation can have an enormous impact on the longevity of your funds and ultimately your post-retirement quality of life.

 Save Multiple Scenarios

When building a retirement plan, save two versions- one with medium risk and one with low risk (low investment returns, high inflation, etc.) This will prepare you for the worst, while educating you on the sensitivity of the variables used during long term financial planning.



If you're not satisfied with your purchase, please contact us within 30 days at and we'll provide a full refund.

To uninstall our program simply locate the Excel file on your computer, select it and press delete. Since all of our programs are simply Microsoft Excel files, uninstalling is that easy.

Download our End User License Agreement

"Just wanted to send a quick note to say how fab your spreadsheet is. I have found it extremely useful and would definitely recommend you to my friends."

-Nicola Hannigan-Baptiste, Kent, MI

"...why I switched to this spreadsheet instead of Quicken. I wanted something that was small and effective without all the overhead and after your help and quick feedback it looks like we have a winner here. Again thanks for your help."

-Mike Pfistner, Somerville, NJ

"Thanks again, and I commend your team for exceptional innovative work with the design of these sheets."

-Bernard Stevens

"Thanks for such a detailed tool! We are really excited about being able to see everything we're spending. Great job and thanks so much for the planner!"

-Christina Ferguson

"The spreadsheet you designed has helped me immensely. And the price was right! You guys have gone above and beyond the call of duty with the help you have given me on the use of the spreadsheet."

-Al Bernotas

"Thank you so much for helping me and standing behind your product."

-Doug McEwen

"This is the what I was looking for. This is a fantastic tool."

-Jamie Gordon

"I really love it and it helps the numerically challenged. Thanks for the great service. I appreciate you saying you want satisfied customers - and meaning it."

-Carm H.

 Simple Planning:

Staying true to our name, is dedicated to spreading financial awareness and knowledge to the masses via our easy to use Excel spreadsheet calculators. With the right tools, financial planning can be simple

 Why Excel based Calculators?

Because our downloadable calculators are Excel based, there are no limitations to the level of detail and accuracy we can offer. Online financial calculators however, are limited by load time, and other web code constraints. As a result, their answers are often inaccurate and misleading; ultimately lulling users into a false sense of security.