This part of our tools deals with retirement income. If you are in (or close to) pension the financial safety of your investments should be within focus. This may require from investors a new planning and invest strategy of the portfolio from stock markets and mutual funds to a interest rate driven investment portfolio (e.g. bonds). Retirement plan calculators enable you to simulate how long you can suffer from initial funds. Tax rate can be taken into account. The retirement planning calculator can optimize by a given initial deposit or a target monthly withdrawal. Assumption made by the retirement plan calculator is that the deposit is invested in a fixed interest rate account or a money market fund.