Hi @ken.rury ,
You are correct that a complete Retirement Planning sheet would need to take those topics into account. And even more than those issues for each person. Another issue is no one knows the future tax rates, so even if the sheet accounted for these things, it would only be based on current tax rules and formulas, which change every year.
There are some ways to manually build these topics into the sheets using the Adjustments and Cash Flow statement. But I realize that makes the sheets much more complex.
There is a caveat already at the top of the sheet documentary that says:
Retirement planning is a very complex & personal task with individuals each bringing a unique set of goals, inputs, and expectations. We have tried to build a solution that leverages your existing Tiller information and provides best-effort future retirement guidance. We’ve made the sheet flexible so you can add your own basic adjustments and options. At the same time, we realize this sheet might not provide all the features some may want. We welcome your feedback in the comments below.
Source: Docs: Retirement Planner Template
To me, that covers some of what Ken is suggesting. @heather do you think it needs something more?
Jon