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[quote=Anonymous]Is there a calculator somewhere that can help you determine if you're on track for saving enough for retirement? I realize I could make my own spreadsheet, but I'm not entirely sure how to take into account projected investment return, or the fact that over the next 20+ years my income (and therefore potential retirement contributions) will likely go up.

At the moment I'm 26 and have about $45k about evenly split between a Roth IRA and Rollover IRA from a previous employer 401k. I max out the Roth every year, as well as a family HSA which we never, ever draw down on (so ~$12k/yr). DH has his own retirement accts, with higher balances but he's older, too. I feel like I need to prioritize this more, but am also socking it away in 529s and Coverdell.

I'd like a tool that tells me "if you want to meet your goal of having $X million total when you retire at age Y, you need to increase your contributions by Z per year" (or Z per year for the next 5 years, then A per year for 5-10 years from now, B for years 11-15, etc.).[/quote]

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