FISHER DISCOUNTING
Nominal versus real
Every future figure is also expressed in today’s purchasing power, so a “$2 million retirement” is shown for what it will actually buy.
Realₜ = Nominalₜ ÷ (1 + i)ₜ
A six-tier modular architecture that bridges day-to-day cashflow budgeting and a thirty-year forward independence simulation. Each sheet feeds the next; nothing is entered twice.
Tab names below match the workbook exactly, so the manual, the file and this page always agree.
The master control centre. Base currency and symbol, country profile preset, household mode (single earner or dual income), partner names, current and target retirement ages, the statutory pension unlock age, and the three rates everything else depends on — nominal return, inflation and mortgage rate.
Defaults: 9.0% nominal return · 2.5% inflation · 5.5% mortgage.
A zero-based dynamic monthly budget. Inflows cover net post-tax employment income, side ventures and liquid dividends. Outflows split into fixed housing and debt, essential living expenses, and sinking funds — accrued monthly allocations for the irregular costs that wreck an otherwise good budget.
A full balance sheet organised by liquidity rather than by institution — which is what actually matters when you model early retirement.
A month-by-month mortgage payoff schedule alongside compounding property appreciation, so you can see true accumulated equity rather than just a falling loan balance.
A thirty-year forward simulation from age 30 to 60 using monthly compounded future value, with the dual-bucket liquidity rule: before the statutory age, safe withdrawals draw strictly from liquid assets; after it, preserved retirement accounts unlock automatically.
The visual cockpit: automated KPI summary cards, the net worth trajectory area chart, and the asset allocation donut. Everything here is a formula reading from sheets 01 to 05 — it is the sheet you open, not the sheet you fill in.
Run it live in the browser →The reason six linked sheets beat six separate calculators: change a rate once, in one place, and the entire thirty-year picture updates coherently.
Every future figure is also expressed in today’s purchasing power, so a “$2 million retirement” is shown for what it will actually buy.
Most FIRE calculators quietly spend your pension at 45. This one does not: preserved accounts stay locked until the statutory unlock age you set.
Pure native spreadsheet formulas. Nothing to enable, nothing to trust, nothing that breaks when you open the file somewhere else.