Retirement Planner The Retirement Planner allows you to analyze your retirement needs and savings.

Personal Info Tab
	Based on information you provide in this tab, the planner calculates your life expectancy and the number of years until your retirement.
	Gender	This information is used with the standard life expectancy tables, which predict a lower life expectancy for men.
	Life Expectancy	Choose either standard simplified actuarial tables or enter your own life expectancy estimate.
	Current Age	Based on your current age and the age at which you wish to retire, the planner will calculate how much time is available for you to invest before you will start withdrawing your retirement savings.
	Retirement Age	This is the age at which you wish to retire. Your retirement age, along with your current age, determines how much investment time you have available. The retirement age and the life expectancy determine how long your investments must last.
Retirement Needs Tab
	Based on information you've provided, the planner calculates how your retirement contributions will grow until the actual start time of your retirement. The information you provide in this tab is used by the planner to calculate whether your pre-retirement contributions will cover your expenses during your retirement.
	Inflation	The inflation is used to normalize income growth during the period before retirement. Inflation and income growth are considered when computing your retirement savings.
	Income Growth	Your anticipated income growth is used to normalize retirement savings growth during the period before retirement. Inflation and income growth are considered when computing your retirement savings.
	Tax Rate	Your tax rate will be used to determine the taxable savings portion of your retirement savings.
	Current Income	Along with the income growth and the retirement needs values, this will determine what your expenses are likely to be during retirement.
	Retirement Needs	The percentage of your pre-retirement income that you estimate you will need during retirement. Conservative retirement plans will use 100% of your pre-retirement income, thereby making you save more towards retirement.
	Retirement Expenses	This computed value indicates the expenses you will need during retirement, based on your current income and your expected needs at retirement. The planner shows the expected retirement income in today's dollars since inflation makes it hard to visualize the income from a time in the future.
Retirement Tab
	This tab analyses your retirement savings and shows you what savings you will have accumulated at the beginning of your retirement.
	Retirement Contribution	This is the percentage of your income you contribute towards your retirement. Note: Laws affecting retirement contributions may require you to limit how much you contribute.
	Company Match	This is the percentage of your retirement contributions that your company matches. Note: This planner neither calculates nor enforces any limits on company matching funds based on individual company policies and practices.
	Taxable Savings	This is the amount of savings that you currently have in taxable retirement accounts. You can click this button to figure out how much you need to have in retirement accounts right now in order to meet your retirement needs.
	Tax Deferred Savings	This is the amount of savings that you currently have in tax-deferred retirement accounts. You can click this button to figure out how much you need to have in retirement accounts right now in order to meet your retirement needs.
	Annual Rate of Return	This is the interest that your retirement account is expected to earn annually. Click on this button to figure out how much your tax-deferred investments should earn on the average for you to reach your retirement goal.
	Available at Retirement	This is the amount of money available to you annually while you are in retirement. Click on this button to figure out how much money will be available to you in retirement based on all the sources.
	Retirement Needs Met	This calculation shows what percentage of your retirement needs goal you've met.
Next Steps Tab
	These are a sampling of issues you should take into consideration when planning for your retirement.