Bundle - 3 Templates
FIRE / Early Retirement Planning Bundle
Financial independence and early retirement (FIRE) requires knowing your numbers cold: savings rate, projected growth, target number, and monthly expenses. Three templates that help track the metrics that matter for FIRE.
In Depth
FIRE Math Is Simple - Execution Is Where Tracking Helps
The core FIRE calculation is deceptively simple: accumulate 25 times annual expenses, withdraw 4% per year, and the portfolio sustains itself indefinitely (in theory). But the simplicity of the formula masks the difficulty of the execution. Maintaining a 50-70% savings rate for years or decades requires constant visibility into exactly where money goes and exactly how close the target is.
Savings rate is the dominant variable in FIRE timelines, and even small changes have outsized effects. Moving from a 40% to a 50% savings rate can shave years off the timeline - not just because more money is saved, but because the lower spending also reduces the target number. A monthly budget that reveals a $200/month spending reduction simultaneously increases savings and decreases the finish line. This double effect is what makes granular expense tracking so valuable in the FIRE context.
The travel planner might seem like an unusual inclusion in a FIRE-focused bundle, but travel is one of the most common post-FIRE activities and one of the hardest lifestyle costs to estimate without data. Understanding real travel costs - based on actual trips tracked with real numbers - provides much more reliable inputs for retirement projections than guesswork about a future lifestyle.
Why This Bundle
Why FIRE Planning Needs Detailed Tracking
The FIRE path depends on two things: a high savings rate and a clear target. These templates help you measure both, plus plan for the lifestyle you are working toward.
Model your path to financial independence
The retirement planner projects when your investments reach your FIRE number. Adjust variables like savings rate, expected returns, and withdrawal rate to see how each change affects your timeline.
Maximize your savings rate
Savings rate is the most important variable in FIRE math. The monthly budget reveals exactly where money goes so you can make intentional decisions about what to cut and what to keep.
Plan for post-FIRE travel
Many FIRE pursuers plan to travel extensively after reaching financial independence. The travel template helps estimate those future costs and budget for current trips within your savings goals.
FIRE-focused bundle at a good price
$69 for three templates (vs $113 individually). Every dollar saved is a dollar that compounds toward your FIRE number.
What's Included
Three Templates for the FIRE Journey
Retirement Planning
$49 individuallyYour FIRE projection tool. Input your current portfolio, savings rate, and expected returns to see when you hit your target. Model different scenarios - aggressive savings, lean FIRE, fat FIRE - to understand your options.
View templateMonthly Budgeting
$19 individuallyYour savings rate optimizer. Track every expense to maximize the gap between income and spending. In FIRE math, reducing expenses has a double benefit: it increases savings AND decreases the amount you need to retire.
View templateTravel Budget Planner
$15 individuallyBudget travel within your FIRE plan. Whether you travel hack on the way to FIRE or plan extensive post-FIRE travel, having clear trip budgets keeps travel spending aligned with your independence timeline.
View templateSee the Templates
What you get in this bundle
Browse screenshots from all 3 templates included in this bundle. Each template is a separate Google Sheets file you can customize to fit your needs.
- 3 complete spreadsheet templates
- Automatic calculations and charts
- Fully customizable categories
- Works in Google Sheets (free)
- Your data stays in your Google Drive
Complete retirement overview with projections
Project your retirement savings growth
Track your net worth over time with charts
Breakdown of all your assets
Annual tax overview with key figures
Detailed tax breakdown and projections
Common Questions
FIRE / Early Retirement Planning Bundle - FAQ
Can the retirement template calculate my FIRE number?
You can input your target number (commonly 25x annual expenses) and see how your current trajectory gets you there. Adjust savings rate and return assumptions to model different FIRE scenarios.
Does this account for the 4% rule?
The retirement template lets you set your own withdrawal rate assumption, whether that is 4%, 3.5%, or any other rate. You can model how different withdrawal rates affect the longevity of your portfolio.
I am pursuing lean FIRE - does the budget template work for low expenses?
The budget template works at any spending level. In fact, it may be even more useful for lean FIRE, where every expense category needs to be intentional and there is less room for unchecked spending.
How often should I update my FIRE projections?
Monthly budget updates are most useful for tracking savings rate. Retirement projections can be updated quarterly or whenever something changes significantly - a raise, a new expense, or a shift in investment returns.
Can I track my FIRE progress percentage?
The retirement template shows progress milestones, including how close you are to your target. Combined with net worth tracking from the monthly budget, you can see your FIRE percentage clearly.
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Get the FIRE / Early Retirement Planning Bundle
3 templates, one purchase. No subscription. Your financial data stays in your Google Drive.