Your idea of what a successful retirement entails—where you’ll live, what you’ll do—is different from everyone else’s.

Yet there is one thing that underlies almost everyone’s notion of a fulfilling future, and that’s financial security. Let’s face it, even the simplest pleasures may be difficult to enjoy if your finances are a major worry.

The fact is, it will take money—perhaps more than you realize—to help ensure your golden years are personally satisfying. But a successful retirement may be within your reach. How do you make it a reality? There are three keys: careful planning, disciplined saving and smart investing.

Use this retirement income calculator to help determine your retirement income needs and see if you are on track with your retirement savings.