CNN Money has a nice retirement planner tool that supposedly takes into account income, expected raises, 401(k) matching, and various other factors.  I usually try it out around this time of year when I’m planning my December savings and spending.

I’m not convinced it’s entirely accurate.  It suggests (emphasis as quoted):

If you adjust the amount you contribute each year to your taxable accounts to zero, you will have a 99.84% chance to save $450,363 from now until retirement.

Do I have some off-shore accounts of which I was not previously aware?  Or have the odds of winning half a million dollars on a scratch ticket gone way up?