Whether you're just starting out, midway through your career or approaching retirement, these tools and work sheets will help you plan for a prosperous and secure retirement.

Videos:

• Roth conversion Q&A
  Anyone can convert a Roth IRA from a traditional IRA. Is it worthwhile?
• 3 steps to retirement savings
  Follow those tips to kick-start your retirement savings.
• Avoiding debt in retirement
  Debt in retirement is a growing problem. Learn what's causing it -- and how to avoid it.

Calculators:

• 401(k) Spend it or save it?
  Find out how quickly you can sabotage your retirement plans by squandering your 401(k) money rather than saving it.
• Traditional 401(k) or Roth 401(k) calculator
  Determine which retirement savings plan, the traditional 401(k) or the Roth 401(k), makes the most sense for you.
• 401(k) savings calculator
  Figure out what your nest egg might look like in the future if you start saving money in your retirement plan now.
• Convert IRA to Roth calculator
  Are you a candidate for a Roth conversion? Plug in the numbers to find out.
• Beneficiary required minimum distribution
  This calculator helps you determine the required minimum distributions you must take if you are the beneficiary of a retirement account.
• Retirement income calculator
  See how long your retirement savings will last with Bankrate's retirement income calculator.
• Roth vs. traditional IRA calculator
  Undecided about whether to invest in a Roth IRA or a traditional IRA? Figure out which one would be better for you.
• Social Security benefit calculator
  Estimate how much you'll be getting from Social Security if you start collecting benefits at age 62 versus age 70 or any age in between.

Work sheets:

• Retirement planning checklist
  Whether you're planning to retire in one year or 30, review Bankrate's retirement planning checklist to see if you're on track.
• Creating a retirement budget
  Balance your income with your monthly expenses so you don't get in financial trouble during retirement.
• Daily expense tracker
  Staying on a budget involves tracking your expenses. This handy daily expense tracker can help.
• Protect your pension
  Know your rights as a 401(k) plan participant if you suspect foul play with your retirement plan.
• Dealing with debt
  Debt is particularly burdensome during retirement. Get a handle on what you owe and put together a plan of attack.
• Protect yourself from scams
  No one is immune from scam artists, but older people are particularly vulnerable. Read this checklist to protect yourself or a loved one.

<< Back to the 2010 Retirement Guide table of contents.