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RetirementPlannerFree

Free Retirement Savings Planner Template

Plan your retirement savings with contribution tracking, employer match calculations, projected growth, and income replacement analysis. Covers 401(k), IRA, Roth IRA, and other retirement vehicles.

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What's included

This planner includes 4 sections covering everything you need.

Retirement Accounts

All retirement accounts with current balances and contribution rates.

Account TypeProviderCurrent BalanceAnnual ContributionEmployer MatchTotal Annual Addition
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Retirement Projections

Projected account values at retirement based on different return assumptions.

Current AgeRetirement AgeCurrent BalanceAnnual AdditionAssumed ReturnProjected Balance
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Income Replacement

How much retirement income your savings will generate.

Projected BalanceAnnual Withdrawal (4% rule)Monthly IncomeSocial Security (est.)Total Monthly IncomeCurrent ExpensesSurplus/Shortfall
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Contribution Tracker

Year-by-year tracking of actual contributions and balances.

YearStarting BalanceYour ContributionsEmployer MatchInvestment ReturnEnding Balance
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How to use this template

Follow these steps to get the most out of this template.

  1. 1

    List all retirement accounts with current balances — 401(k), 403(b), IRA, Roth IRA, SEP IRA, etc.

  2. 2

    Enter your annual contribution and any employer match (free money — always contribute enough to get the full match).

  3. 3

    Set your target retirement age and assumed average annual return (7% nominal or 5% inflation-adjusted is commonly used).

  4. 4

    Review the income replacement analysis — will your projected savings support your retirement lifestyle?

  5. 5

    If there is a shortfall, increase contributions, adjust your retirement age, or review investment allocation.

  6. 6

    Update the tracker annually with actual balances and contributions.

Who this template is for

Working professionals who want to know if they are saving enough for retirement.

People in their 20s-30s starting to plan for long-term financial independence.

Those approaching retirement who need to verify their savings are sufficient.

Anyone who wants to understand the impact of employer matching and compound growth.

Why use Clarity instead?

This template is great for manual tracking, but Clarity automates everything for you. Connect your bank accounts, brokerages, exchanges, and wallets and see real-time data without entering a single number.

  • Automatic transaction imports from 12,000+ institutions
  • Real-time portfolio values and net worth tracking
  • AI-powered spending insights and budget recommendations
  • Tax-ready reports with automatic cost basis calculations
  • One dashboard for banks, brokerages, crypto, and DeFi
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Frequently Asked Questions

How much should I save for retirement?

The general guideline is 15% of gross income (including employer match). If you are starting late, you may need 20-25%. A more precise approach: estimate your annual retirement spending, multiply by 25 (the inverse of the 4% rule), and work backward to determine needed savings rate.

What is the 4% rule?

The 4% rule suggests you can withdraw 4% of your retirement portfolio in the first year of retirement, adjusting for inflation each year after, with a high probability of your money lasting 30 years. A $1 million portfolio would support $40,000 per year in withdrawals.

Should I contribute to a Roth or Traditional 401(k)?

If you expect to be in a higher tax bracket in retirement (common for young high-earners), Roth is better — you pay taxes now at a lower rate. If your current tax rate is high and will drop in retirement, Traditional is better. Many advisors recommend having both for tax diversification.

What if my employer does not offer a 401(k)?

Open a Roth or Traditional IRA (2024 limit: $7,000, or $8,000 if 50+). If you are self-employed, consider a SEP IRA (up to $69,000) or Solo 401(k). These accounts have the same tax advantages as employer-sponsored plans.

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Ready to go beyond spreadsheets?

Clarity connects to your financial accounts and automates what this template does manually. Real-time data, zero data entry, and AI-powered insights.

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