📊 RETIREMENT CALCULATOR — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Retirement Calculator is a long-term planning Excel tool for estimating savings needs, investment growth, and income sufficiency. It models pre- and post-retirement returns, inflation, salary growth, and contribution rates—ideal for individuals, financial advisors, and educators planning for retirement.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Retirement savings projection with salary, inflation, and employer match logic
• Withdrawal modelling with post-retirement return and payout duration
• Shortfall detection and additional savings guidance
• Help worksheet with usage notes and assumptions

🎯 Perfect For:
• Individuals planning long-term retirement goals
• Financial advisors modelling client scenarios
• HR teams offering retirement education
• Educators teaching compound growth and retirement maths

⚙️ Features:
• Calculates required savings rate to meet retirement income goals
• Models inflation-adjusted salary, investment returns, and employer contributions
• Includes shortfall detection and years-to-depletion logic
• Excel-native formatting—no macros or plugins required
• Reusable across income levels, retirement ages, and payout durations

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