Most of the inputs are self-explanatory. The only thing different compared to the other programs are the employer matches. This is just how much as a percent your employer puts into your account per every dollar you do. So if you invest $1 and they invest fifty cents, then it's a 50% match (so that's what you'd input into cell A13).

Start your input in cell A4, and continue to A28. If everything went well and there were no input errors, then that's all there is to it. Just review the numbers and the graphs. This shows the value of your employer matches.

Cells A18 - 23 are for estimating how long the account will last after retirement, based on withdrawals, taxes, and increases needed because of inflation. The demo's first graph shows the total account running out of money  around age 97. All graphs are stacked area graphs, so the two parts are added together to display the combined totals.

Cells A25 - 28 are for inputting estimated growth rates, and also expenses you have to pay.

The top section calculates the part of the account that is attributable to employee contributions, and the lower, employer contributions.

The sections at the far right show estimated annual fees and expenses.

The whole purpose is just to show the impact of employer contributions. If you want a more detailed analysis, then any of the actual retirement software programs will do that job much better.

The stacked graphs then display the total amount of account balance, but in two sections (employee and employer). Stacked means that the two amounts pile up on top of each other, in contrast to one graph being behind the other (so the top of the chart is the sum of the two areas).