Tips on how to make a retirement calculator work for you


By Arielle O’Shea
The stats don’t lie: Americans aren’t calculating how much they need to save for retirement.
Over half of workers “guessed” at a retirement savings target, according to Transamerica, with most landing on $1 million. It’s a nice, round number — but it probably isn’t an accurate one.
Your retirement needs depend largely on personal factors, such as future spending, wages, investment returns and life expectancy. It’s not hard to target them: A good retirement calculator can churn out a retirement savings goal and track your progress toward reaching it.

But you do need to come to the table with some knowledge about your financial situation, both current and future. Here are five steps to help you get the most out of a retirement calculator.
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