<prompt> Human: I posted this a couple months ago and it got some great feedback. Since then, Ive added lots of functionality, and made it a little nicer to look at. --- THE SPREADSHEET ---___For a more comprehensive retirement spreadsheet, please check out this one posted by umvnman. He did not make it, but was kind enough to share the link with us. Its incredibly detailed.___As someone pointed out, the font is kinda big. I didnt realize that I was editing it at 85 zoom, hence why its so big when you open it at 100. I would recommend zooming out a bit use the slider at the bottom right or Ctrl Scrollwheel Down.Also, dont miss the Car Loan Amortization schedule sheet at the bottom. Its currently only for 60 month loans, but if yours is longer, just highlight the bottom row and stretch it down from the bottom left corner. Itll fill in the formulas for you.___The state, county, medicare, social security, and federal tax percentages in the upper left are specific to my locale and salary -- I would recommend using one of your pay stubs to get the right federal percentage for your salary. I just didnt want to have to figure out the huge formula for federal withholding.___The Benefits section is bi-weekly. Not monthly.___As it says at the top, ONLY EDIT INFORMATION IN PINK CELLS. Everything else will calculate for you automagically. You can actually edit anything on the sheet if you want to...but its full of formulas, so I wouldnt want you to mess things up for yourself. Just be careful!___You can edit Renters Insurance, even though its in the blue section. This amount is not split between roommates.___The box for pay bonuses is specific to my particular bonus distribution formula at work. Feel free to customize this to yours if you get an annual bonus. The total gets put into the Credits table right above it. This is where youll find the bonus formula.___Feel free to add your own expenses or delete current rows to the Expense Type table. I left a bunch of blanks for you guys...the formulas are already linked to the cells, so just edit the Expense Type and Monthly Payment.___The retirement estimates in the center of the spreadsheet are based on a 10 lifetime return. To change this, just edit the Estimated Retirement Acct. Return percentage.___Keep in mind that this assumes you always contribute the same amount, and you always remain on the same salary. This is obviously not the case, but you can at least see where youre headed. If were lucky we as in other 20-somethings...Im 23, well receive about 70 of our SS contributions by the time we retire. This has been taken into account in the Retirement Estimates section.___Lastly, Roth IRA and 401k have contribution caps per year. The max you can contribute to your 401k is 17.5k, and the max you can contribute to a Roth IRA is 5.5k. Keep this in mind when youre playing with the percentages. The row called 401k Contribution is your personal contribution...the row called 401k Contribution Match is Your contribution Your companys match. Dont get these confused. The New Net Pay is the money left over after taxes and 401kRothESPP contributions, but does NOT subtract out for the company match it doesnt because its free money! WOO!If you have other IRAs or retirement accounts, just addedit accordingly. PM me if you need help!___Let me know if you have any questions : Im trying my best to prepare for a fiscally responsible future, so I thought Id share what I have!  <response>: This looks pretty awesome. Thanks OP! 