FIRE Tracker Spreadsheet: Coast, Lean, Fat & Barista FI Calculator, Bridge Years Planner + Net Worth Log (Excel)
A FIRE (Financial Independence, Retire Early) spreadsheet that puts every FI number in one file: Lean, Regular, Fat, Barista and Coast FI, plus how long it will take, what your withdrawal rate changes, and how to cover the years before retirement accounts unlock.
Type your numbers into the yellow cells on the Inputs tab. Everything else updates on its own.
WHAT'S INSIDE (8 tabs)
• Start Here: 10-minute how-to
• Inputs: age, target retirement age, unlock age, net worth, income, spending, real return, withdrawal rate, part-time income
• Dashboard: all FI targets, progress %, Coast FI reached yes/no, savings rate, years and age at FI, bridge shortfall, plus a chart
• FI Numbers: Lean / Regular / Fat / Barista targets, Barista gap, Coast FI today and a Coast FI by-age table (25 to 60)
• Years to FI: your timeline, plus a savings-rate table (10% to 70%)
• SWR Sensitivity: targets and timelines at 3%, 3.5%, 4% and 4.5% withdrawal rates
• Bridge Years: money needed between early retirement and account unlock age, and extra yearly savings to cover it
• Net Worth Log: 60 months of monthly entries with a line chart
GOOD TO KNOW
• 1 zip: FIRE-Tracker.xlsx + a 2-page Quick-Start PDF guide
• Works in Microsoft Excel (2016+, Microsoft 365, Mac) and Excel for the web; also opens in LibreOffice Calc
• No macros. No currency symbols, so any currency works
• Formula cells are protected so they don't get typed over (no password, so you can unlock to edit)
• Withdrawal rate limited to 3%–4.5%
• Instant digital download. No physical item is shipped.
• Made with an AI generator for parts of the design and writing, then edited and checked by hand.
IMPORTANT
Educational tool only. Not tax, legal or investment advice. Results are estimates in today's money and depend entirely on your assumptions. The bridge planner is simplified (ignores taxes, penalties and early-access rules).
LICENSE
For personal use. Please don't share, resell or redistribute the file. © 2026 Zecro LLC (PlanNProsperStore). Governed by the laws of the State of Washington, USA.
Questions? Email bhamlefty@gmail.com.