SO for me... my calculator rows are counted by my age all the way up to 100.
Then, the columns (variables) I have are:
87 Columns Wide (this data feeds into a Progress Burndown and I have a seperate spreadsheet that calculates my Asset Allocation, as seperate spreadsheet for my main residence ammortization, a seperate spreadsheet for our budget, a seperate spreadsheet for a running balance of all our accounts, a seperate spreadsheet for SSA records and calculations/accounting, a seperate spreadsheet for Taxes/year and a seperate spreadsheet to track all of our credit card rewards and apr, min spend dates, 0% ending dates etc)
BaseYr -(ie 2020)
Age -My current age
Notes -I leave little notes like the day I hit 1mil, ER date, SWR start date, RMD, SS, kids college, different tax events
BaseYrAmt -(Our Gross Income that year)
IncmGn -(The factor for our raises each year, I assume all future factors are 1 with no raise in future assuming worst case)
AnnualCOL -(The annual Cost of living $ amount based on
IRAGn% -% DW and I's combined IRAs increased/ will increase. (We assume 6% future returns for roth)
RothGn% -% DW and I's combined Roth increased/ will increase. (We assume 6% future returns for roth)
Inflation -Inflation Factor (We assume 1.03 future inflation rate)
COL+Inflation -(The amount we would need NET for Cost of Living after inflation factored in)
IRA$ -Current/future/past combined IRA $ amount
RothIRA$ -Current/future/past combined Roth$ amount
Broker$ -Current/future/past broker Roth$ amount
BckDrRoth$ -Current/future/past Roth$ amount (auto calculates future withdrawal $ amount for me based off some formula's I setup)
Sbj2RMD -the % of our total portfolio that will be subject to RMD over time
InvestableAssets -The amount of money we potentially COULD invest but might not necesarrily
Gift -Any gift$ we might recive currently 0
CurrentAsset -Our combined current assets (IRAs, Roth, Broker)
TotInvstbl -The amount of money I would/could have if I had invested the $ from InvestableAssets
TaxRt -Our current federal tax rate factor
FtrTxRt -Our future fed tax rate factor auto calculated based off other variables
StTx -State tax$
Txbl -Essentially AGI - any tax credits
TaxPd -Amount of federal tax actually paid
AfterRMD -$Total Asset balance after RMD has been taken (in the future we are still accumulating)
Equity - This one is obvious Our current real estate valuations less outstanding loan balance
NetWorth -All wrapped up, includes IRA, Roth and Real Estate...notice how this is sort of off to the right a ways, I don't really care abot NW but it is still important to track.
ActualIRA -$contributions we made to Traditional IRA
Actual401k -$contributions we made to 401k
ActualRoth -$contributions we made to Roth IRA
ActualBrkr -$contributions we made to Broker
Actl529 -$contributions we made to 529
TotActualInv - The sum of all our contributions
Gn+Cntbtn - The $increase/decrease from previous year including the contributions
Chg%PrevYr - The %increase/decrease from previous year
Net$Gn - The $increase/decrease from previous year LESS the contributions
RMD$ - The $ amount of our RMD each year
RMDw.o cnv - The amount of RMD I would have to take had I never converted to Roth (a fun reminder of tax savings)
RMDfctr -The IRS Uniform Lifetime table's factors used to calc RMD
RMD% -%of RMD vs total portfolio value
TaxSv -The $tax I save by doing roth conversions (again fun reminder of double benefit to conversions)
SWR$ -My SWR $amount that I can take each year based on SWR% factor below
SWR% -SWR % factor (currently set at 3.5% from ER age 50 until SS at 70)
AWR% -The ACTUAL withdraw SWR divided into CurrentAsset
529-1 - Our childs 529 $amount
529-1Cnt - 529 Contributions for kid1
529-2 - Our OTHER childs 529 $amount
529-2Cntr - 529 Contributions for kid1
Tuition$ - The $ we expect to pay in tuition each year if kids go out of state
TuitionState - The $ we expect to pay in tuition each year if kids go in state
AnnualSSN62 - The $ I can expect for SS if we file early at 62
SSN67 - The $ I can expect for SS if we file early at FRA
SSN70 - The $ I can expect for SS if we delay until 70
AnnualSSNSpouse62 -The $ DW can expect for SS if we file early at 62
SSN67Spouse -The $ DW can expect for SS if we file early at FRA
SSN70Spouse - The $ DW can expect for SS if we delay until 70
BothSSN70 - Our total SS $ annually
SSNaftrTax - The amount of SS we NET post-tax
EndSalaryPension - Factor needed to calc pension
SalaryIncr% - the % of just MY salary increasing used to calc pension
Pension1Starts - The date my pension check *RAISE begins
IRA-RMD -$ amount I need to pull from IRA after SS to cover my RMD
ExtraPrinciple$ -$ amount of extra principle I put towards loan that year
Property1Aprecdt $Value of main residence after appreciation
Property1Equity $amount of equity I have (appreciation - outstanding loan balance)
ActualAmmrtzn The actual $loan balance each year (to compare against my plan)
Property1Amrtztn16 - Amrt sched for 16 year
Property1Amrtztn18 - Amrt sched for 18 year
Property1Amrtztn20 - Amrt sched for 20 year
Property1Amrtztn30 - Amrt sched for 30 year ( I like to compare interst savings but have a 15yr)
Prop2Bal-18yr
Prop2-PITI-18
Prop2CashFlo
Prop2Prin
Prop2Int
Prop2Equity
Property2Aprectd
ApprecFactor
Property2Rent
RentIncrease -$amount of rent increased that year
Prop2Expns
Prop2Depr%
Property2Depr$
Inhrtnc$ $ of inheritence I might receive
IRMD_Fctr $the IRS factor for inherited IRA
IRMD $amount for the inherited Req Min Distro
IIRA_Tx$ $amount of tax I will pay on that inherited RMD
Did I miss anything?