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Using FV,PV, and PMT for retirement tracking

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
I had a thread open before and branched into this question in order to save a post, however I was not receiving much response I believe due to thread title.

I do have some feedback on using these compounding excel formulas to track my retirement progress and to make sure in general I'm staying on track. However it seems to be a mixed grey area on if this is an acceptable method.

I like the idea of being independent from online calculators. I want to conceive my own tracking within MS Excel, since I recently converted from strict budgeting/tracking using YNAB and Quicken to now just tracking monthly net worth within MS Excel. After revolving my finances around a program I was never fully satisfied paying for, it's liberating being able to have my own tracking.

Paying myself first has allowed me to cut back on budgeting and I now have an inflow comfy enough to [for now] scrap such a tedious task.

Moving on, I would like to ask once more the general consensus from this community on using these excel functions for a retirement guide. To account for inflation I have based everything off a 4% return which seemed like a rational/conservative number to go off as as a net gain.

Is a historical based calculator absolute necessary or am I ok using FV?

Thanks.


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