Compound Interest Spreadsheet with Salary Increases

In plain words

This is a Google Sheet that calculates compound interest and retirement projections with increasing contributions over time. It accounts for salary raises and shows how they impact portfolio growth and withdrawal income. Created for people who want to model retirement savings scenarios in spreadsheet form rather than using online calculators, it lets users adjust variables and save their own versions for ongoing planning.

written from the facts on this page · September 2026

From the sources

I couldn’t find a spreadsheet to do compound interest and retirement calculations with increasing contributions (i.e. to account for salary increases over time). There are online calculators that do so, but I wanted it in spreadsheet form, so I could add to it. So I made the following spreadsheet that compares the difference that a certain yearly salary increase makes on the value of your portfolio and on the amount of income you can draw from that portfolio based on a certain withdrawal rate. Here is a link to the Google Sheet so that you can download it to play with yourself. Also, I’m currently reading “The Millionaire Next Door” , which is a book I recommend…from josephbisch.com

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