Projecting income needed for retirement planning is a difficult task. It requires looking into the future for decades and matching projected needs with the resources you expect to have available. Most retirement planning calculators assume that your need will increase each year in retirement due to inflation. Even using low inflation assumptions, the result is often a discouraging retirement plan.

In reality, data show that most households spend *less* in retirement as they age.

This *Simple Retirement Calculator* allows you to take this fact into account. The calculator projects, based on information you provide, a realistic appraisal of your retirement needs and the savings goal necessary to meet these needs. The calculator also provides a comparison with results you might see with more traditional retirement calculators. The simple retirement calculator is designed to be easy to use with easy-to-understand results.