Most banks have online pension planners. Input your assets, liabilities and age (in my case 25) into a budgeting tool and learn how much cash you'll need before you snuff it. A retail bank's rudimentary pension tool can be useful; they're simply presented and diligently managed. Yet as we live longer, as living expenses rise and low interest rates erode savings and as state pensions reduce, we'll need intuitive, predictive solutions.