Excel Model: Retirement Savings Calculator

个人财务 Excel Model: Retirement Savings Calculator

标题： Retirement Savings Calculator

描述：

This spreadsheet helps individuals calculate and plan their retirement savings. It includes sections for personal information, current savings, annual contributions, and the expected rate of return. The template provides a detailed year-by-year breakdown of the projected growth of retirement savings, helping users understand how their investments will grow over time.

Personal Information:
- Collects basic details such as current age and retirement age.
Current Savings:
- Details the present value of current savings.
Annual Contributions:
- Tracks yearly contributions to the retirement savings.
Expected Rate of Return:
- Input the annual expected rate of return on investments.
Year-by-Year Breakdown:
- Projects the growth of savings each year, including cumulative payments, interest earned, and total balance.

建议/提示：

Personal Information:
- Ensure your current age and planned retirement age are accurate to get a precise projection.
Current Savings:
- Regularly update the present value of your savings to reflect any changes.
Annual Contributions:
- Plan your annual contributions carefully to meet your retirement goals.
Expected Rate of Return:
- Be realistic about the expected rate of return to avoid overestimating growth.
Year-by-Year Breakdown:
- Review the year-by-year projections to understand the impact of contributions and returns on your savings.

来源： 自定义计算器

单击以下图标可在新选项卡中打开完整的工作簿查看器，让您轻松编辑和保存。

单击以下图标下载电子表格，您可以将文件与编辑内容一起保存在计算机上。

使用计算器的示例：

使用电子表格的详细示例： 用户需要完成的任务：

Personal Information Section:
- Enter your current age and retirement age.
  - 示例值：
    - Current Age: 35
    - Retirement Age: 65
Current Savings:
- Input the present value of your savings.
  - 示例值：
    - Present Value: $10,000
Annual Contributions:
- Enter your planned annual contributions.
  - 示例值：
    - Annual Contribution: $2,000
Expected Rate of Return:
- Input the expected annual rate of return.
  - 示例值：
    - Expected Rate of Return: 6%
Year-by-Year Breakdown:
- Review the projected growth of your savings.
  - 示例值：
    - Year 1: Age 35, Invested Payment: $12,000, Interest: $600, Balance: $12,600
    - Year 2: Age 36, Invested Payment: $14,000, Interest: $756, Balance: $15,356

交互式计算器为何有用：

This spreadsheet provides a comprehensive view of retirement savings growth, helping users plan and make informed decisions about their investments. By offering a detailed breakdown, it allows users to see the long-term impact of their savings and contributions, ensuring they are on track to meet their retirement goals.

来源： 自定义电子表格

结论：

The Retirement Savings Calculator is a vital tool for planning and understanding retirement savings. By providing a detailed and organized approach to projecting the growth of savings, it helps users ensure they are on track to meet their retirement goals. Regular updates and reviews ensure that the projections remain accurate and aligned with current financial conditions.