The following non-exhaustive list of websites and links is provided by The Police Retirement System of St. Louis (the "System") for informational purposes only. The listed websites and links should not be relied upon in making financial decisions since many of them provide retirement calculations and savings projections which merely approximations based upon age and many other assumptions which may include but are not limited to projected inflation rates, projected tax rates, projected rates of return, and projected life expectancies. Any variation in these assumptions may produce varying results. The System makes no warranties or representations regarding the accuracy or content of the listed websites and links, and the content of such websites and links are subject to change without notice. The System's listing of a particular website or link is not an endorsement by the System of the products or services available from the owners, operators, controllers or advertisers of that website or link.

1. A non-profit organization that focuses on retirement planning is the America Savings Education Council (ASEC). Use the Ballpark Estimate to identify approximate total savings needed at retirement and the annual amount you'll need to save. Click on Ballpark Estimate Worksheet that is located above the program box. The organization cautions that planning for retirement is not a one-size-fits-all exercise. The purpose of Ballpark is simply to give you a basic idea of the savings you'll need when you retire. The program assumes that you'll realize a constant real rate of return of 3% after inflation, that you'll live to age 87, and that you'll begin to receive income from Social Security at age 65.
   http://www.asec.org/
2. A for profit company that has a web site on making retirement estimates is American Express. A retirement projection is provided based on information you provide about present age, retirement age, savings, pension plan income and so on.
   http://www.americanexpress.com/advisors/
   http://www.americanexpress.com
   
   Click on Create a Personal Financial Profile, Then Calculate Your Retirement Needs, Are You Saving Enough Now?

3. John Hancock's Portrait Planning site takes into consideration drains on your finances while you're trying to save for retirement - such as the cost of putting your children through college - as well as potential income from the sale of your house or part time work after retirement.
   http://www.jhancock.com
   
   find Portrait Planning, then click on Retirement Savings Tool - do not panic at the results - click on tools, then Retirement Planning

4. Fidelity is another site that delves into great detail. If you're married, the calculator asks you and your spouse to provide separate answers to questions on life expectancy, income and plans for work after retirement.
   http://personal.fidelity.com/
   
   click on Retirement, then Planning for Retirement & IRA's, then Retirement Planning Calculator

5. T. Rowe Price uses a streamlined worksheet that provides a no-frills answer to the percentage of your salary you need to save. It also estimates how much your current taxable and tax-deferred investments will grow and how much you will need in total.
   http://www.troweprice.com
   
   click on Retirement IRA's, then How much do you need to save.

6. The Financial Literacy Center can also help you determine how much you need to have set aside by retirement to provide the monthly income you desire. The Financial Literacy Center sells financial education products, such as brochures on 401(k) plans to employers.
   http://www.hitflc.com/
   
   click on Education Centers, then Calculators, then Savings and click on Retirement Calculator.

7. VALIC is one of many for-profit companies that focuses on retirement planning. Check out VALIC at:
   http://www.valic.com
   
   click on Easy Retirement Calculators, then Gap Calculators.

8. The Vanguard group is another for-profit company that is involved in the mutual fund industry and is a provider of financial services. Their web site has you enter data on your expenses, income, and assets to find out whether you're on target for a comfortable and secure retirement.
   http://www.vanguard.com
   
   click on Retirement Resource Center, then Planning for Retirement, then Preretirement Savings Modeler.

9. The calculators at Kiplingers can help you sort out complicated information you need for a variety of financial decisions.
   http://www.kiplinger.com
   
   under Department, click on Retirement, then Calculators, then How much do I need to save. Also check out the Kiplinger's Retirement Report.

10. The National Council On Teacher Retirement (NCTR) helps you determine how much you are going to need for retirement. By following the prompts, you enter information about when you want to retire, your current salary, how much you already have saved, etc.. By answering the questions, the calculator will tell you how long till you can retire, how much more money you need to retire, and how much you need to start saving now to achieve your goal.
    http://www.nctr.org
    
    click on Lifeplan and then Retirement Planning and then click Retirement Calculator.

11. The Mining Co. Guide to Retirement Planning provides online consumer guides in over 500 areas. The retirement plan guide includes links to articles about and providers of 401(k), Roth IRAs, online calculators, and other products.
    http://www.miningco.com/
    
    search under the word retirement, then click on Retirement Planning US, then Calculators, then Comprehensive Retirement Planner. This will take you to Quicken's Retirement Calculator. Start with the green boxes on left with Personal Information.

12. The U.S. News and World Report has an interactive site that allows you to tailor calculations to your individual circumstance. It also gives you the background you need to decide what assumptions you should reasonably make.
    http://www.usnews.com
    
    click on Retirement Calculation

13. To help women take control of their retirement-planning destiny, the American Savings Education Council (ASEC), the Center for Retirement Education and the National Association of Female Executives (NAFE) are sponsoring the National Women's Forum on Retirement Education. This web site offers extensive information about women's retirement planning issues, useful and easy-to-use retirement planniing and investing tools as well as links to other related sites.
    http://www.centerforretirement.com/
    
    on the left side, click on easy Retirement Calculators, then Gap Calculator

14. Social Security Administration. To plan realistically for your retirement, you need an idea of how much you'll get from social security. For an oficial personalized estimate of what benefits will be, go to the Social Security web site.
    http://www.ssa.gov