Retirement Planner Excel — 401(k), IRA & Roth Projections, Withdrawal Strategy, Social Security & Monte Carlo (10 tabs)

Description
"Will I have enough for retirement?" deserves a real number, not a feeling. Most retirement calculators give you one output and a smile. This Excel gives you the full picture — every assumption visible, every scenario testable, every risk quantified.

A complete retirement model covering the entire journey: accumulation, tax strategy, the pre-Medicare healthcare gap, Social Security timing, and the withdrawal phase. Not a black-box tool — a working spreadsheet you can adapt to your exact situation.What's inside (10 live tabs):
- Dashboard with 12 KPIs at a glance- Accounts breakdown by tax bucket (401k, IRA, Roth, HSA, taxable, bonds)
- Contributions with employer match modeling and catch-up strategy at 50+- Year-by-year growth projection across 3 return scenarios (5%, 7%, 9%) with real-dollar column
- Withdrawal Plan comparing 6 strategies including 4% rule, Guyton-Klinger, Bucket strategy
- Tax Strategy with a full Roth conversion ladder for ages 60-72- Healthcare gap analysis for the critical ages 60 to 65 before Medicare eligibility
- Social Security claiming ages 62 to 70 with full break-even analysis
- Monte Carlo simulation across 7 withdrawal rates with success probability- Formulas Explained — every calculation documented in plain English

431 live formulas across 10 tabs. Zero errors, zero macros, every assumption editable.The sample case is fully populated — a couple aged 37 targeting retirement at 60 — so you can see the mechanics working before entering your own numbers.

Who it's for: individuals planning their own retirement, financial advisors building client projections, anyone comparing withdrawal or Roth conversion strategies.


Built by a management controller with 10+ years in a top-15 global pharmaceutical group.