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If you want to use a retirement calculator Excel may be a tool that you can use along with it to track your savings. This program will allow you to create a spreadsheet. You can put all of the data that you have into the spreadsheet, including your expenditures and your savings each month. You can then use this data with the calculator. The combination will show you exactly where you money is going and how that is going to impact your retirement fund. If you want to save money, you can use the spreadsheet to identity places to cut costs.

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