Retirement Savings Tracker Excel

Retirement Savings Tracker Excel — Every retirement account in one tracker: balances, contributions, percent of goal, and months to goal at the current pace.

Built for anyone who wants the whole picture on one page: what the goal is, what is actually there, and which line is quietly falling behind — without accounting software or a subscription app. If one line is underfunded, this workbook shows it while there is still time to fix it.

WHAT'S INCLUDED (6 sheets):

- Accounts Tracker — Every retirement account: goal balance, balance so far, remaining, percent of goal, monthly contribution, and months to goal by contributions alone.

- Contribution Log — Every contribution January-October: date, account, description, amount, and source, with running total and share of total by formula.

- Monthly Plan — Month by month: planned contributions, actual contributions from the log by formula, the difference, and cumulative planned vs actual.

- Category Summary — Accounts grouped by type (IRA, 401k, HSA, brokerage, cash): counts, goals, balances, remaining, and percent of goal — all by formula.

- Dashboard — Total retirement goal, total balance, remaining, percent of goal, monthly contributions, and the strongest and weakest accounts.

- Cover and How to Use — start here. Yellow cells are the only ones you edit.

EXAMPLE DATA (2026 — replace with your own numbers):

- Target 1,375,000; current 315,700; remaining 1,059,300; 23.0 percent complete overall.

- 30 logged entries (January-October 2026) totaling 22,450; monthly plan planned 28,200 for 2026 against actual 22,450 so far.

- Strongest line: Cash Reserve at 79.2 percent. Weakest line: Spouse Roth IRA at 13.0 percent. Largest line: Traditional 401k at 500,000.

HOW IT WORKS:

1. Download the Excel file instantly after purchase.

2. On sheet 1, enter each account's goal, current balance, and monthly contribution. Remaining, percent, and months fill in by formula.

3. On sheet 2, add a row per contribution: date, account (spelled exactly as on sheet 1), amount, and source.

4. On sheet 3, set planned contributions per month. Actuals land by formula from the log.

5. Sheets 4 and 5 summarize everything by formula. Check them monthly.

HOW THE NUMBERS WORK:

Remaining is the target minus the current amount. Percent is the current amount divided by the target. Months figures divide the remaining amount by the monthly amount, rounded up. Monthly actuals are the sum of log entries in that month. Category totals group sheet 1 by its category column. Nothing in the example assumes investment growth or interest unless a sheet says so in plain words.

PLEASE NOTE:

- Instant digital download. No physical item ships.

- Works in Microsoft Excel and Google Sheets (upload to Google Drive to open in Sheets).

- Example data is included so you can see how it works. Replace the yellow cells with your own numbers — yellow cells are the only ones you edit.

- This is a bookkeeping tool, not tax, legal, or CPA advice.

- Built by an accountant: B.S. Accountancy, ASU W. P. Carey, with revenue-reconciliation experience at Marriott and audit work at PwC.