Financial Goals & Wealth Building Template

🟩 1️⃣ BASIC VERSION

A clean, functional Financial Goals & Wealth Building spreadsheet in English — built for clarity, structure, and accurate long-term growth projections.

Financial Goals & Wealth Building (Basic)

Core Features:

🔹 Goals Overview Table with Goal Name, Target Amount, Starting Balance, Monthly Contribution, Expected Annual Return, Duration
🔹 Automatic Compound Growth Calculator (FV-based, monthly compounding)
🔹 Total Deposits, End Value, Total Growth, Growth % per goal
🔹 Real vs Nominal Value Support (inflation input)
🔹 Projection table: month-by-month balance, deposit, interest, ending balance
🔹 Simple line chart for selected goal’s projected growth
🔹 Instructions tab included for quick onboarding
🔹 Clean formatting: readable columns, currency formatting, percentage fields, dropdowns
🔹 Ready for multi-year planning — just add your goals and adjust inputs

👉 Purpose:

A rock-solid foundation for planning and evaluating long-term financial goals.
Perfect for beginners, savers, investors-in-training, or anyone who wants a transparent and accurate growth projection without extras.
No risk tools, no scenario modules — just the essentials, clean and dependable.

🟨 2️⃣ ADVANCED VERSION

A smarter, more insightful financial planning system — adding inflation logic, smart duration calculation, contribution step-ups, risk profiles, alerts, and aggregated projections.

Added Features Compared to Basic:
🔹 Growth Intelligence & Adjustments
- Real (inflation-adjusted) end value + real total growth

- Auto duration calculator (NPER-powered)

- Annual contribution increase (%) — automatic deposit step-ups

- Forecast completion date based on duration
🔹 Decision Support & Warnings
- Priority tagging (High / Medium / Low)
- Risk profile selector (Cautious / Balanced / Growth)
- Suggested annual return filled automatically
- Status alerts:
- Off track
- Below inflation
- On track
🔹 Visualization & Structure
- Improved Projection tab (with step-ups & dynamic formulas)
- Combined Total_Wealth sheet:
Total nominal wealth (all goals)
Total real wealth (inflation-corrected)
Line chart for both curves
🔹 User Experience
- Consistent formatting across all tabs
- Clear data-validation and dropdowns
- Instructions updated with all Advanced features

👉 Purpose:

Designed for users who want financial clarity beyond basic compounding — including inflation awareness, smarter forecasting, structured priorities, and early warnings.

No randomness, no advanced modeling yet — just disciplined financial intelligence.

🟥 3️⃣ EXPERT VERSION

A complete wealth-building cockpit — transforming the workbook into a full strategic planning engine with scenario analysis, Monte-Carlo simulations, stress testing, retirement modeling, interdependencies, and multi-inflation views.

Includes everything from Basic + Advanced, plus:

🔹 Scenario & Risk Tools
- Multi-Scenario Engine: Optimistic / Base / Pessimistic
- Monte Carlo Simulation (200 runs):
Randomized returns
Probability of reaching target
10th / 50th / 90th percentile
Risk Metrics: volatility of end values
🔹 Advanced Planning Models
- Dynamic Allocation (Glide Path): equity/bonds/cash per year
- Inflation Scenarios: low, base, high — real wealth impact
- Goal Interdependency Matrix: how goals affect each other
- Optimal Contribution Solver: required monthly contribution
- Stress Test Module:
Shocks to return
Shocks to contributions
Shock window selection
Baseline vs stressed wealth curves
🔹 Retirement & Drawdown Modeling
- Drawdown phase simulation:
yearly withdrawal
growth
inflation
real balance per year
🔹 What-If Dashboard
Return multiplier
Contribution multiplier
Inflation override
Real-time KPI feedback
🔹 Documentation
Full PDF guide explaining:
Setup
Advanced calculations
Scenario logic
Best practices for planning

👉 Purpose:

Built for serious planners, investors, and finance professionals who want a robust toolbox for forecasting, risk analysis, retirement modelling, and strategic financial decision-making.

Turn long-term goals into a fully analysed, stress-tested, probability-verified plan — inside one spreadsheet.