Your complete 100-year financial planning companion
Get started with 100-year financial planning. No macros needed — pure Excel formulas.
Download Template V2.01The Aeterna Excel Template is a comprehensive 100-year financial planning workbook that puts you in complete control of your financial future. Unlike complex financial software that requires subscriptions or internet access, this template works entirely in Microsoft Excel or Google Sheets — no macros, no add-ins, no hidden costs.
Whether you are a salaried professional planning retirement, a freelancer tracking variable income, or someone just starting their financial journey, the template adapts to your needs. It combines the proven 50/30/20 budgeting framework with goal-based investing, salary progression modeling, and year-by-year projections spanning a full century.
The control center of the entire template. Configure your personal profile and all financial assumptions that drive every other sheet.
How to use: Start here. Fill in your personal details, current salary, and expected returns. The rest of the template will automatically use these values for all calculations.
Track every financial account you own — bank accounts, credit cards, and investment portfolios — month-by-month across your entire financial timeline.
How to use: Add your current accounts with opening balances. The sheet auto-calculates running balances based on transactions logged in the Transaction sheet.
The heart of the 100-year projection engine. See your financial future unfold year by year.
How to use: This sheet auto-calculates from your Settings and Goal inputs. Review it to understand how your financial future looks and adjust your strategy accordingly.
Category-wise budget tracking organized by the 50/30/20 framework. Plan, track, and analyze your spending across all categories.
How to use: Set monthly budget targets for each category. Log actual spending in the Transaction sheet and the Budget sheet will automatically show comparisons.
Set, track, and achieve your financial goals with inflation-adjusted targets and automated SIP calculations.
How to use: Add your goals with target amounts and dates. The sheet calculates the monthly investment needed. Update progress regularly to stay on track.
Your daily financial diary. Log every transaction with full detail for accurate tracking and reporting.
How to use: Log transactions as they happen. The more consistent you are, the more accurate your budgets, goals, and projections become.
A visual summary of your entire financial life. Charts and key metrics at a glance.
How to use: All data is auto-populated from other sheets. Use this as your weekly/monthly financial review hub.
The engine room. All heavy lifting happens here — compounding calculations, goal projections, and cross-sheet aggregations.
How to use: Leave this sheet as-is. It works behind the scenes to power every other sheet. Do not edit unless you understand the formulas.
Reference data and validation lists that keep your data consistent and error-free.
How to use: This is a reference sheet. Modify the lists here if you want to add custom categories or account types.
Follow these simple steps to begin your 100-year financial planning journey:
Click the download button above to get the latest version of the Aeterna Excel template. The file is a standard .xlsx format compatible with Excel 2010 and later, Google Sheets, LibreOffice, and WPS Office.
Open the downloaded file in your preferred spreadsheet application. For Google Sheets, upload the file to Google Drive and open it. No macros or special permissions are required.
Go to the Settings sheet and enter your basic information: name, date of birth, current monthly salary, expected annual increment, and retirement age. Set your expected interest rates for different investment types (defaults are provided).
Navigate to the Transaction sheet and begin recording your daily financial activities. Include income (salary, freelance), expenses (rent, groceries, dining), and investments (FD, mutual funds). Every transaction feeds into the budgets, goals, and projections.
In the Goal sheet, define what you are saving for — a house, car, education, retirement, or a dream vacation. Enter the current cost, expected inflation rate, and target year. The sheet automatically calculates the monthly SIP needed.
Switch to the Dashboard sheet to see your financial picture at a glance. Review net worth trends, category spending breakdowns, and budget vs actual comparisons. Use this as your weekly financial check-in.
Open the Future Planning sheet to see year-by-year projections. Watch how your wealth grows over decades, how goals are funded over time, and what your retirement corpus looks like. Adjust your savings rate or investment returns to see how different strategies affect your future.
Download the Aeterna Excel Template V2.01 and take control of your financial future today.
Download Template V2.01