{"product_id":"retirement-budget-drawdown-planner","title":"Retirement Budget Spreadsheet","description":"\u003cp\u003eThis retirement budget treats income as the fixed part and asks the real question: how long does the rest last? It is a retiree budget for anyone living on pensions and savings who wants the drawdown worked out properly.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePlease read:\u003c\/strong\u003e This is a tracker tool only, not financial, tax, legal, medical or any other professional advice or advisory service. It records and calculates what you enter; you are solely responsible for checking all figures, rates, dates and results and for every decision you make. By purchasing, downloading or using it, you accept these terms (your statutory consumer rights are not affected).\u003c\/p\u003e\u003ch2\u003eGuaranteed and variable income\u003c\/h2\u003e\u003cp\u003eEvery income source is listed as guaranteed or variable, so the share that cannot be taken away is a number on the dashboard, 76% in the demo. That makes it a simple pension tracker as well as a fixed income budget.\u003c\/p\u003e\u003ch2\u003eThe drawdown\u003c\/h2\u003e\u003cp\u003eEnter the portfolio balance and what you take out each year, and the withdrawal rate falls out of the two. The file then shows how many years the pot lasts at the growth rate you assume. That figure uses the annuity formula, not balance divided by withdrawal: a pot that keeps growing while it is drawn lasts noticeably longer, and the straight-line answer can be out by a decade.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eRetirement Income: every source, guaranteed or variable, with its share\u003c\/li\u003e\n\u003cli\u003eWithdrawal rate and years remaining, against a growth rate you set\u003c\/li\u003e\n\u003cli\u003eIncome against essentials and everything else, month by month\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003e25 connected tabs\u003c\/h2\u003e\u003cp\u003eAround the drawdown planner sits a full monthly budget. Everything reads from one transaction list, so nothing is typed twice and there are no pivot tables to refresh.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e2,000 transactions and 40 categories, all renameable\u003c\/li\u003e\n\u003cli\u003eEvery figure calculated: budgets, variances, totals and percentages\u003c\/li\u003e\n\u003cli\u003eOver-budget and overdue amounts color themselves\u003c\/li\u003e\n\u003cli\u003eDrop-down lists that grow as you add accounts and categories\u003c\/li\u003e\n\u003cli\u003eCharts that redraw from your own numbers, not pictures\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYou get a filled-in copy as well as a blank one: a full demo year you can click through, and a blank ready for your own money, in Excel and Google Sheets. It uses no dynamic arrays, no macros and no add-ins, so it behaves the same in every supported version, and the Google Sheets version is a real workbook, not a PDF with a link in it.\u003c\/p\u003e\u003ch2\u003eWorks with\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eMicrosoft Excel 2016, 2019, 2021 and Microsoft 365, on Windows and Mac, and LibreOffice. No Microsoft 365 subscription required.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. No Google account is needed for the Excel files.\u003c\/li\u003e\n\u003cli\u003eNo add-ins, no macros, no subscription and no bank connection\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eThe Excel workbook filled with a worked example, and the same workbook blank and ready for yours\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, which has one-click links to the Google Sheets versions (filled and blank)\u003c\/li\u003e\n\u003cli\u003eThe terms of use as a PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYour files are ready to download as soon as payment clears. The Start Here tab walks you through setup in a few minutes. The files are for your own household; please do not share or resell them. Questions before or after you buy? Use our contact page and we will help.\u003c\/p\u003e\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eCan I use it in Excel or Google Sheets?\u003c\/h3\u003e\u003cp\u003eBoth. You get Excel files for Excel 2016 or later on Windows and Mac, and the instruction guide has one-click links to make Google Sheets copies with a free Google account.\u003c\/p\u003e\u003ch3\u003eHow does it work out how long my savings last?\u003c\/h3\u003e\u003cp\u003eIt uses the annuity formula with your balance, yearly withdrawal and the growth rate you assume, rather than simply dividing balance by withdrawal.\u003c\/p\u003e\u003ch3\u003eWhat growth rate does it use?\u003c\/h3\u003e\u003cp\u003eThe one you set. It does not choose a rate or give advice about one.\u003c\/p\u003e\u003ch3\u003eCan I separate pensions from investment income?\u003c\/h3\u003e\u003cp\u003eYes. Each income source is marked guaranteed or variable, and the dashboard shows the guaranteed share.\u003c\/p\u003e\u003ch3\u003eDoes it connect to my bank or pension provider?\u003c\/h3\u003e\u003cp\u003eNo. There is no bank connection, no add-ins and no macros. You enter your own figures.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597863878750,"sku":"OPX-066","price":25.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/retirement-budget-drawdown-planner-01.jpg?v=1790832302","url":"https:\/\/opxviashop.com\/products\/retirement-budget-drawdown-planner","provider":"OPXVIA","version":"1.0","type":"link"}