Retirement planning tools?

Anyone know any good online retirement planning tools?

I'm looking for something a little more flexible than the "ask 5 questions and spit out a percentage of your annual salary" versions.

I'd like to be able to input current investments, adjust growth rates, input lump sum contributions (like inheritances), include (or exclude) SS projections, adjust retirement date, etc.

Conservative and reputable.

I don't have a calculator but I'll put up some great financial links that have helped me. Might be able to find stuff on there.

Boglehead forum : discuss finances based around the ideas of John Bogle founder of Vangard Funds and developer of the Index fund(which is probably one of the most conservative and safe ways to let your income grow) http://www.diehards.org/forum//index.php?sid=f9f0e616336d1a1e8cf2a571a3c1ba09

I will teach you to be rich: good money blog. Neat info http://www.iwillteachyoutoberich.com/blog/

Get Rich Slowly: Good blog as well

http://www.getrichslowly.org/blog/

 I have no real advice to give other than just do something, and do it now!!  I slipped into retirement due to health problems and without a real nest egg.  That can be very painful.  I preach that same lesson to my kids (All in their 40's and 50's) and anybody else that will listen.

Make your own on Excel. That is what I did. I can share with you if you like - or give me some more information on what inputs/outputs/etc. you'd want to have and I'd be happy to modify it, if you're not a spreadsheet guy. 

here's a pretty good Monte Carlo Simulation tool, which runs a ton of calculations with randomly-generated annual returns, to show a spectrum from "best case every year" to "worst case every year" and shows where some specific scenarios end up.  you can change asset allocations, timing and severity of a crash, annual contributions up to a retirement date, annual withdrawals after that date, etc.

https://www.retirementsimulation.com/

EDIT:  Scroll all the way to the bottom left and there are tabs for other calculators, as well as a better explanation of Monte Carlo simulation than what i wrote above.

Bumping a 12 year old thread that had 2 posts? How'd you even find this thing?

STM317 said:

 

Bumping a 12 year old thread that had 2 posts? How'd you even find this thing?

Holy cow, I didn't even notice that it was 12 years old. 

So, uh, SVrex, hows the retirement planning going?

wow, super date fail by me.  but the monte carlo simulation is cool.

mtn said:

STM317 said:

 

Bumping a 12 year old thread that had 2 posts? How'd you even find this thing?

Holy cow, I didn't even notice that it was 12 years old. 

 

So, uh, SVrex, hows the retirement planning going?

I just assumed a canoe got blown away during/while swh was answering.

Back in 2008, to move my investments from one pocket to another I had to fill out a form, mail it to Alabama and they make the change (gubbymint system)  Now it can be done on line.  I can't help with your situation because when I bob, they weave.  In 2008 it took so long to shuffle, I lost $200,000.

Poke around here and see what others are doing.

Dan