Retirement calculators and spending

Introduction
This article categorizes retirement calculators by the type(s) of retirement spending models they use. For a detailed discussion about the various types of retirement spending models, refer to the articles in the Retirement spending wiki series (Sidebar to the right).

Abbreviations used in the Calculator Tables
These abbreviations are used to keep the tables compact while still maximizing the amount of descriptive information they contain.

Calculator Type Abbreviations. Used to categorize the calculator's approach to estimating future growth in retirement savings.
 * D = Deterministic. The calculator assumes fixed future stock and bond returns.
 * HR = Historical Returns. The calculator uses historical stock and bond returns as a guide.
 * Hst = Historical stress test. The calculator uses historical U.S. stock and bond returns (and sometimes the corresponding inflation) starting from one or more specific years in the past to Stress Test the retirement plan for worst case scenarios.
 * MC = Monte Carlo. The calculator uses a Monte Carlo model of stock and bond investment returns as a guide.

Initial Retire(ment) Spending Abbreviations. These are the potential types of spending models that could be used to describe retiree spending at the start of retirement.
 * RR = Replacement Rate.
 * Bt = Single Budget, total spending only
 * Bw = Single Budget, worksheet included
 * Dt = Dual Budget, total spending only
 * Dw = Dual Budget, worksheet included.
 * na = Calculator doesn’t allow user to independently set spending in retirement.