As Congress continues to debate the tax treatment of defined contribution retirement plans and as most defined benefit plans are being changed or phased out, it has become even more important for workers to figure out how much they will need in retirement and what they need to do now to reach that figure.

A plethora of retirement tools abound on company websites. Many will calculate how much you have to save to reach your goals, but there is a new breed of calculators out there that do much more than that, and some of them are on your mobile phone.

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