I’m working on a new Retirement Planner / FIRE template and we’d like to get your feedback.
The sheet will build on the recent Cash Flow Forecast sheet which handles income, expenses, and future life events.
The new sheet adds investments to the forecast.
We will give you the ability to select and add what investment accounts you want to use and include their balances.
Each year, we will take your investments at the start of the year, add expected investment growth based on a growth rate and add your yearly Cash Flow forecast from the Cash Flow forecast sheet. This will calculate your net gain/loss for the year.
If you have a loss, it will assume you reduce your investments by the loss to make up the difference.
We will also show how your investment drawdown compares to a withdrawal rate that you set.
We have some design question we’d like some feedback on:
Investment Growth Rate
You will be able to add an investment growth rate and change it in future years. Do you want help calculating this rate? If so, would you like to set a rate by account that we could use to give you an initial value-weighted rate? Would you like to set multiple growth rate scenarios at the same time or just change a single setting
Would you like the sheet to include the effect of taxes? This is a complex question since everyone has different circumstances. Many FIRE sheets don’t include the impact of taxes or taxes are built into the growth rates.
Would you like the option to get a global tax rate on investments sold or a manual rate by year? Or something else?
Any other features you would like in the sheet?
Share your comments below.