Abstract: A retirement calculator for calculating a salary replacement value independent of current salary and a method of computing a total salary replacement value are disclosed. The retirement calculator is made up of a sleeve having an open end and a plurality of windows, and the calculator has an insert with a plurality of age values and a plurality of preliminary salary replacement values printed upon it. When the insert is inserted or positioned in the open end of the sleeve, one of the age values is visible through one of the windows on the sleeve. The preliminary salary replacement value corresponding to the visible age value is then visible in another window.