Retirement Expense Worksheet

Why Track Retirement Expenses?

Your FIRE number is directly tied to your annual expenses. Underestimating costs can derail your retirement, while overestimating may keep you working longer than necessary. This worksheet helps you build a realistic budget by category.

A good rule of thumb: track your actual spending for at least 3-6 months before finalizing your retirement budget. Many people forget categories like healthcare premiums, home maintenance, and irregular expenses like car replacements.