When the time for retirement planning comes, it is important to take into account several factors. You need to figure out how long you have until you retire, how much you can put into retirement accounts, and what you need to meet your retirement financial goals. One way you can aid the retirement planning process for your personal finances is to use a retirement calculator. While not 100% accurate, a retirement calculator can, nevertheless, give you a good idea of what you need to reach your retirement goals.