I am trying to set up a system of spreadsheets to track our financial picture. The programs like Quicken that I've used in the past are overly complicated and require lots of maintenance. 

One thing that I can't find is a good template to track post-retirement spending which is set up for a family of two who are not in the same age bracket (my wife is almost a decade younger). 

Basically, I want to be able to plug our respective current ages, retirement ages, forecasted net worth / social security &amp; pension (and the years they kick in, which is not necessarily the same as retirement year)/ desired yearly income / projected inflation / projected investment performance, and  see what the different scenarios look like (e.g. "what do we need to set aside to live into our 90s without drawing down the principal ?")

Most of the templates I found are for a single person. I did find one that matches the scenario above but it's in British pounds and extremely complicated. 

I am using Numbers, but Excel will do as well.
While I can't directly create an Excel or Numbers template for you, I can definitely guide you on how to set one up to fit your specific needs. Let's break this down into different components:

**1. Input Sheet:**
This sheet will contain all the inputs you mentioned. You'll need to create fields for:

- Current age for both you and your wife
- Planned retirement age for both you and your wife
- Current net worth
- Social security and pension details, including when they kick in
- Desired yearly income in retirement
- Projected inflation rate
- Projected investment performance

**2. Calculation Sheet:**
This sheet will do most of the heavy lifting. It will use the inputs to calculate how much you need to be saving to achieve your goals. You'll need formulas to calculate:

- Years until retirement for both you and your wife
- Amount needed to save to reach your desired yearly income, factoring in social security, pensions, and investment performance
- Effects of inflation on your savings and income
- Other scenarios you might be interested in

**3. Output Sheet:**
This sheet will display the results of your calculations in an easy-to-read format. You might want to include:

- Total you need to save for retirement
- Amount you need to save each year until retirement
- How long your savings will last into retirement
- Impact of inflation on your retirement savings

**4. Scenario Analysis:**
This could be a section on your output sheet or a separate sheet altogether. Essentially, you'll want to use Excel's "What-If Analysis" tool to see how changes in your inputs will affect your retirement savings.

Remember, the key to a successful financial spreadsheet is simplicity and clarity. Make sure it's easy for you to understand and update. You might want to consider seeking help from a professional or using online resources to learn more about Excel formulas and functions. It's also a good idea to regularly update your spreadsheet as your financial situation changes.
### Human
I am trying to set up a system of spreadsheets to track our financial picture. The programs like Quicken that I've used in the past are overly complicated and require lots of maintenance. 

One thing that I can't find is a good template to track post-retirement spending which is set up for a family of two who are not in the same age bracket (my wife is almost a decade younger). 

Basically, I want to be able to plug our respective current ages, retirement ages, forecasted net worth / social security &amp; pension (and the years they kick in, which is not necessarily the same as retirement year)/ desired yearly income / projected inflation / projected investment performance, and  see what the different scenarios look like (e.g. "what do we need to set aside to live into our 90s without drawing down the principal ?")

Most of the templates I found are for a single person. I did find one that matches the scenario above but it's in British pounds and extremely complicated. 

I am using Numbers, but Excel will do as well.

### Assistant
While I can't directly create an Excel or Numbers template for you, I can definitely guide you on how to set one up to fit your specific needs. Let's break this down into different components:

**1. Input Sheet:**
This sheet will contain all the inputs you mentioned. You'll need to create fields for:

- Current age for both you and your wife
- Planned retirement age for both you and your wife
- Current net worth
- Social security and pension details, including when they kick in
- Desired yearly income in retirement
- Projected inflation rate
- Projected investment performance

**2. Calculation Sheet:**
This sheet will do most of the heavy lifting. It will use the inputs to calculate how much you need to be saving to achieve your goals. You'll need formulas to calculate:

- Years until retirement for both you and your wife
- Amount needed to save to reach your desired yearly income, factoring in social security, pensions, and investment performance
- Effects of inflation on your savings and income
- Other scenarios you might be interested in

**3. Output Sheet:**
This sheet will display the results of your calculations in an easy-to-read format. You might want to include:

- Total you need to save for retirement
- Amount you need to save each year until retirement
- How long your savings will last into retirement
- Impact of inflation on your retirement savings

**4. Scenario Analysis:**
This could be a section on your output sheet or a separate sheet altogether. Essentially, you'll want to use Excel's "What-If Analysis" tool to see how changes in your inputs will affect your retirement savings.

Remember, the key to a successful financial spreadsheet is simplicity and clarity. Make sure it's easy for you to understand and update. You might want to consider seeking help from a professional or using online resources to learn more about Excel formulas and functions. It's also a good idea to regularly update your spreadsheet as your financial situation changes.<eos_token>