Retirement Planning in Excel (FV, PMT + Amortization Schedule, Data Tables & Goal Seek)

Описание: Plan retirement in Excel step-by-step using Time Value of Money (TVM) tools and built-in functions. In this tutorial (an enhanced version of my earlier retirement planning video), we build a practical retirement model in three parts:

Part A — Build the retirement portfolio + withdrawals
Model a 30-year accumulation phase with monthly contributions

Invest $500/month in stocks (11% expected return) and $500/month in bonds (7% expected return)

Use Excel’s FV function (with monthly compounding) to find each account’s future value and the combined portfolio value at retirement

Then switch to the retirement phase: combine the portfolio into one account earning 7%, and calculate the monthly withdrawal over 25 years using PMT

Validate the withdrawal amount by creating a full 25-year amortization schedule (monthly withdrawals, interest earned, ending balance)

Optional: add a “margin of safety” by setting a non-zero future value (ending balance) in the PMT setup

Part B — Sensitivity analysis (uncertain returns)
Create a two-variable Data Table to test how different stock returns and bond returns change the future value of the portfolio

Learn how to structure the table, set the row/column input cells, and sanity-check the output

Bonus formatting tip: display a label like “Stock Return” in a cell while keeping the underlying formula intact (Custom Number Format)

Part C — Solve for the required monthly deposit to reach a goal
Set a retirement goal of $1,000,000 after 30 years

Compute required monthly deposits if investing only in stocks, only in bonds, and 50/50 stocks & bonds

Use Goal Seek to solve the monthly deposit when the contribution is split between assets (and the combined future value must equal the target)

Disclaimer: This video is for educational purposes only and does not constitute financial, investment, tax, or legal advice. Assumptions (returns, timelines, compounding frequency, withdrawal horizon) are simplified and may not reflect real-world results. Always do your own research and consider consulting a qualified professional.