Most current phones offer built-in phone directories, calculators and games.

"You can't buy an inflation-adjusted annuity for anywhere near the cost of delaying Social Security," said Henry Hebeler, a retired Boeing executive who created AnalyzeNow.com, a Web site that offers retirement advice and calculators.

Big retirement plan providers like Fidelity and Vanguard (along with several online brokers) offer online calculators and tools that will help you figure out how much you need to save and the types of investments you need, and may offer specific investment suggestions.

"Those companies make slide rules and are being offered calculators," he says.

AnalyzeNow.com offers calculators that will help determine the best time for singles and couples to take Social Security.

ANY number of Web sites offer simple online calculators for retirement.

His site, onlineconversion.com, is among the most popular to offer online calculators for converting units of one kind into units of another.