<prompt> Human: It seems like every retirement calculator expects that you will need your current salary to be matched in retirement. This has been the case with numerous calculators Ive googled, as well as fidelity and vanguard calculators Ive used. This premise is wrong for a number of reasons. First, a significant part of my current salary goes to after tax savings. Second, about 15 of my current salary goes into the 401k. Third, I pay like 7 FICA tax now, and I wont in retirement. Fourth, my house should be paid off in retirement, as well as all other debt except a car possibly.Seems like all the retirement calculators tell you that even if you max out your 401k for the next 30 years you will still come up short. Like you can literally slide all the slider bars to max value, and it still says you arent saving enough. At least this is my case, and Im only 30 and make 100k. Why are they all so bad, and will someone please make a good one that accounts for these differences?  <response>: Mostly by marketing, creating sense of fear, to make sure people save and open an account with them.When people think like you they know the secret. On any case, they do good service as they make people save for the future !Think this way, when you retire, if you find amount is not sufficient, can you rollback years you crossed? 