{"product_id":"savings-rate-coast-fire-tracker","title":"Savings Rate and Coast Number Tracker Spreadsheet","description":"\u003cp\u003eThis savings rate tracker shows what share of your income you actually keep, month after month. Log one row a month with take-home pay, paycheck saving, spending and your invested balance, and your savings rate is worked out every month, over the last twelve and for every year.\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\u003eThe dashboard\u003c\/h2\u003e\u003cp\u003ePick any of the last 24 months and the cards follow it.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eYour savings rate that month against your goal\u003c\/li\u003e\n\u003cli\u003eEvery month's savings rate with your goal drawn across\u003c\/li\u003e\n\u003cli\u003eEach month split into what you spent and what you kept\u003c\/li\u003e\n\u003cli\u003eYour coast number against what you have invested, age by age\u003c\/li\u003e\n\u003cli\u003eHow far along you are to your coast number, on your own target\u003c\/li\u003e\n\u003cli\u003eYour savings rate for each calendar year, and what is invested at the end of each month\u003c\/li\u003e\n\u003cli\u003eThe months you kept the most, with your notes\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eYour savings rate\u003c\/h2\u003e\u003cp\u003eThe Months tab works out what you kept over what you earned, with money that went straight from your paycheck into a 401(k) counted as saving. Months at your goal are marked, and the Years tab gives the rate for every year. It is a simple savings spreadsheet for anyone serious about personal finance.\u003c\/p\u003e\u003ch2\u003eThe coast number\u003c\/h2\u003e\u003cp\u003eFor anyone following coast fire, the Coast Number tab works out what you would need invested today for it to grow to your target by the age you retire, with nothing more added. Saving as you are, it projects your invested balance against the coast number year by year and shows the age they cross.\u003c\/p\u003e\u003ch2\u003eIf you stopped today\u003c\/h2\u003e\u003cp\u003eThe file also shows what your current investments would grow to by retirement at the growth rate you set, age by age, all in today's money. Every figure rests on your own assumptions, so treat it as a savings planner for your retirement savings, not a forecast or advice.\u003c\/p\u003e\u003ch2\u003eSix connected tabs\u003c\/h2\u003e\u003cp\u003eStart Here, Setup, Months, Coast Number, Years and Dashboard.\u003c\/p\u003e\u003ch2\u003eLight and dark editions\u003c\/h2\u003e\u003cp\u003eEvery download includes a light edition and a dark edition. Every tab is restyled, not only the dashboard, and both run on the same formulas, so you simply pick the look you prefer. Each edition comes filled with a worked example and as a blank copy, in Excel and in Google Sheets.\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\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook you take a copy of, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eNo dynamic arrays, no macros, no add-ins and no subscription\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eLight edition: the Excel workbook filled with a worked example (44 months of income, spending and savings), and a blank one\u003c\/li\u003e\n\u003cli\u003eDark edition: the same two files in the dark design\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, which has one-click links to the Google Sheets versions (light and dark, 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. They are for personal and business use on your own devices, so 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\u003eDo I need Excel, or can I use Google Sheets?\u003c\/h3\u003e\u003cp\u003eEither. You get Excel workbooks for Excel 2016 or later on Windows or Mac, and the instruction guide has one-click links to copy the Google Sheets versions with a free Google account.\u003c\/p\u003e\u003ch3\u003eDoes it count my 401(k) contributions?\u003c\/h3\u003e\u003cp\u003eYes. Money that goes straight from your paycheck into a 401(k) is counted as saving in your savings rate.\u003c\/p\u003e\u003ch3\u003eWhat is the coast number?\u003c\/h3\u003e\u003cp\u003eIt is what you would need invested today for it to grow to your target by the age you retire, with nothing more added, using the growth rate you choose.\u003c\/p\u003e\u003ch3\u003eIs the projection a promise of returns?\u003c\/h3\u003e\u003cp\u003eNo. Every rate is your own assumption, shown in today's money, and the file is a tracker, not a forecast or advice.\u003c\/p\u003e\u003ch3\u003eWhat is the difference between the light and dark editions?\u003c\/h3\u003e\u003cp\u003eOnly the look. Every tab is restyled with the same formulas, and both editions come with every download.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597876265054,"sku":"OPX-245","price":15.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/savings-rate-coast-fire-tracker-01.jpg?v=1790833328","url":"https:\/\/opxviashop.com\/products\/savings-rate-coast-fire-tracker","provider":"OPXVIA","version":"1.0","type":"link"}