Free Retirement Planning Spreadsheet
This free retirement planning spreadsheet is a standalone template: you enter spending, savings, retirement age, and return assumptions, then review an estimated need, projected savings, and a gap. It is useful if you want a workbook you control. Navira's Retirement Planner is a separate in-app tool that keeps retirement next to investments, goals, and net worth.
What it helps you understand
An estimated capital need at retirement, how projected savings compare, and whether contributions and return assumptions close the gap — as a planning scenario, not a promise.
What you enter
- Planned retirement age and how long you want the plan to last
- Expected retirement spending
- Current retirement savings
- Planned contributions
- Return and inflation assumptions you are willing to test
What you get
A free standalone spreadsheet to estimate retirement needs, compare projected savings, and see a planning gap — from the assumptions you enter.
Retirement Needs
Estimate annual spending and total capital required at retirement.
Savings Gap
Compare projected savings against your target retirement number.
On-Track Indicator
See whether your current contributions and growth assumptions keep pace.
Scenario Inputs
Adjust retirement age, return assumptions, and contribution levels.
How to use it
- Download the spreadsheet and save your own Google Sheets copy.
- Enter retirement age, spending, current savings, contributions, and assumptions.
- Review the estimated need, projected savings, and any gap.
- Change an assumption — retirement age, spending, or contributions — to see how the scenario shifts.
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 pension or brokerage accounts to fill it in.
Who it is for
- You are within 10–20 years of retirement and want a clearer picture.
- You have retirement accounts but aren't sure if you're on track.
- You want a structured way to stress-test your retirement assumptions.
- You prefer a spreadsheet before moving to connected planning tools.
A natural next step
Want retirement planning to stay connected to your investments, goals and 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.