FIRE Roadmap Planner — Lean/Base/Fat Scenarios, Safe Withdrawal Rate, Stress Testing & Net Worth Tracking (Excel)

Most FIRE calculators give you an optimistic single-line projection and a green checkmark. This one gives you three parallel scenarios (Lean, Base, Fat FIRE) plus the stress test that separates a plan from a fantasy: what happens to your FIRE date if the market crashes 50%, if returns drop 2 points, if inflation runs hotter than expected, or all three at once.

What's Inside (9 Tabs)

• Dashboard: Current status, FIRE date under Base scenario, savings rate, years to freedom.


• Inputs: Age, income, expenses, savings rate, expected return, target withdrawal rate.


• Income: Salary progression, side income, projected raises.


• Returns: Real vs. nominal, asset allocation impact, sequence-of-returns risk.


• Scenarios:Lean FIRE, Base FIRE, Fat FIRE compared side by side with different spending assumptions.


• Stress Test: Market crash, lower long-term returns, higher inflation, combined worst case, and how many extra years each costs you.


• Withdrawal: Full Safe Withdrawal Rate table (2.5% to 5%) and a bond tent implementation.


• Net Worth Tracker: Monthly tracking to see whether you're actually on pace.


• Formulas Explained: Every calculation documented, no black box.
  
  

229 live formulas. The stress test is the part most FIRE calculators skip — it turns wishful thinking into a plan you can defend.

Who It's For

• Anyone pursuing financial independence who wants an honest number rather than an optimistic one.

Who It's Not For

• Readers of retirement blogs looking for a green light.
  
  

Delivery & Background

Delivered as a clean .xlsx file. Built by a management controller with 10+ years in a global pharmaceutical group, and an active private investor.