Build a detailed spending plan for today and for retirement, side by side. Enter any amount at any frequency (weekly, monthly, every 10 years) and we convert it to monthly and annual totals.
Same worksheet as the website. Saved on this device. A JSON backup from retirementfastlane.com/budget restores here, and a backup from here restores there. Linked accounts are planned, not available yet; everything here is entered by you.
Household
Current spending
Essentials (floor)
$0/mo
Lifestyle (upside)
$0/mo
Lumpy / sinking funds
$0/mo
Taxes
$0/mo
Cushion (5%)
$0/mo
Total need
$0/mo
Total need, per year
$0
Retirement plan
Essentials (floor)
$0/mo
Lifestyle (upside)
$0/mo
Lumpy / sinking funds
$0/mo
Taxes
$0/mo
Cushion (5%)
$0/mo
Total need
$0/mo
Total need, per year
$0
Current vs. retirement
ESS = essential (your floor). LIFE = lifestyle (your upside). Monthly and annual figures are normalized from what you enter.
Housing$0 → $0/mo
Housing: current vs retirement
Line
Current
Retirement
Change/mo
Mortgage principal & interestOften ends at retirement
—
Utilities & Connectivity$0 → $0/mo
Utilities & Connectivity: current vs retirement
Line
Current
Retirement
Change/mo
ElectricityOften rises in retirement
—
Food & Household$0 → $0/mo
Food & Household: current vs retirement
Line
Current
Retirement
Change/mo
GroceriesOften stays similar
—
Restaurants / dining outVaries widely by household
—
Transportation$0 → $0/mo
Transportation: current vs retirement
Line
Current
Retirement
Change/mo
Gas / fuelOften drops in retirement
—
Insurance (non-health)$0 → $0/mo
Insurance (non-health): current vs retirement
Line
Current
Retirement
Change/mo
Term life insuranceOften ends at retirement
—
Health Care (before Medicare)$0 → $0/mo
Health Care (before Medicare): current vs retirement
Line
Current
Retirement
Change/mo
Employer health premium (payroll)Often ends at retirement
—
Health Care in Retirement (Medicare)$0 → $0/mo
Health Care in Retirement (Medicare): current vs retirement
Line
Current
Retirement
Change/mo
Medicare Part B premiumOften begins in retirement
—
Long-Term Care & Aging in Place$0 → $0/mo
Long-Term Care & Aging in Place: current vs retirement
Line
Current
Retirement
Change/mo
In-home care aideOften begins in retirement
—
Debt Payments$0 → $0/mo
Debt Payments: current vs retirement
Line
Current
Retirement
Change/mo
Credit card payments (carried balance)Often drops in retirement
—
Family & Dependents$0 → $0/mo
Family & Dependents: current vs retirement
Line
Current
Retirement
Change/mo
ChildcareOften ends at retirement
—
Pets$0 → $0/mo
Pets: current vs retirement
Line
Current
Retirement
Change/mo
Pet food & suppliesOften stays similar
—
Sinking funds
For lumpy costs like a car every 10 years. Monthly set-aside = (inflated target − saved so far) ÷ months remaining. Set-asides count in your “lumpy” subtotal.
No sinking funds yet.
Export and your data
Educational planning tool from Retirement Fastlane LLC. It is not investment, tax, or legal advice. Inflation rates are editable planning assumptions, not forecasts. Figures are in today’s dollars.
Fastlane Budget · Worksheet B: Retirement Spending Plan · Retirement Fastlane LLC · educational only, not advice. Printed 10/16/2026.