Free FIRE Spreadsheet – Track Financial Independence
FIRE — financial independence, retire early — is the idea of building enough invested assets that work becomes optional. This spreadsheet helps you estimate a target number from spending and withdrawal-rate assumptions, then compare your savings rate and net worth with that target. The date or number it shows is a projection based on your inputs, not a guaranteed FIRE date.
What it helps you understand
A target FIRE number from your spending and withdrawal-rate assumptions, your savings rate, and how current net worth compares to that target.
What you enter
- Desired annual or monthly spending in independence
- A withdrawal-rate assumption (for example the rate you want to test)
- Current net worth or invested assets you want counted
- Income and savings, so the sheet can show a savings rate
- Growth and timeline assumptions you are willing to revisit
What you get
A free FIRE spreadsheet to estimate a financial independence number and track progress against it using the assumptions you enter.
FIRE Number
Estimate the portfolio size needed to support your desired lifestyle.
Savings Rate
Track how much of your income is building toward independence.
Progress Tracker
See how your net worth compares to your target over time.
Assumptions Panel
Adjust withdrawal rates, growth assumptions, and timelines.
How to use it
- Download the spreadsheet and save your own Google Sheets copy.
- Enter spending, savings, current assets, and the assumptions you want to test.
- Review the estimated FIRE number, savings rate, and progress against the target.
- Update inputs when spending, savings, or your assumptions change. Treat the result as a planning estimate.
Your data stays in your spreadsheet
You enter the figures in your own copy of the spreadsheet. Calculations stay in that file. Navira does not connect to your accounts to fill it in.
Who it is for
- You are pursuing financial independence or early retirement.
- You want a clear target number rather than vague savings goals.
- You track net worth and want FIRE-specific progress metrics.
- You prefer spreadsheets over complex planning software for now.
A related planning step in Navira
Want to see how retirement age, spending, and savings sit in your wider financial picture? Explore Navira's Retirement Planner.
Related guides
Get your copy
Enter your email on the next step and your workbook will open in Google Sheets, where you can save your own editable copy.
Spreadsheets help organise your finances. Navira helps you see how everything connects.
This content is for educational purposes only and is not financial advice.