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A lot of these retirement calculators that you can use online, they make too many assumptions. A lot of them use fixed rate of returns, and if you were around, which I assume you were, in 2001 and 2008, you would know that the market doesn't just go at a fixed rate of return at 8%. There are going to be bumps and hills along the way. That's why when you use too simple of a calculator, it may give you a false sense of security. Make sure when you're using a retirement calculator it's not going to be too simple. Minneapolis Financial Planner That's why you need to also point to other factors, like social security. The reason why a lot of these other retirement calculators do not work is because they don't actually look at your overall plan. I'm not just talking about the free ones you can use with your 401(k) plans, but the ones that even that some financial advisors use aren't going to look at everything like social security. The benefit with some of these financial retirement calculators is they will actually put your social security calculations in with your overall retirement plan. If you are going to be using one, make sure that you use one that's going to have that social security ability to plug into your overall retirement plan. Minneapolis Financial Planner