You have to estimate the percentage of your current income you think you need to maintain your lifestyle when you retire in order to complete the calculator retirement investment. Depending on your age, you can have your mortgage paid for retirement. You do not need the income, whether there is a mortgage. A rule of thumb is the plan by 70 percent.

You need to know if you will receive a defined pension in retirement. This is a pension from an employer promises to pay a certain amount of income for retirement, usually based on wages earned and years of service. Have figures available income you expect to have from a part-time work, 401K, IRA or any other income.