All the retirement planning calculators I have seen try to answer -”How much do I need” question. Some assume a percentage (say 80%) replacement levels of last income or others begin with your current expenses. Undoubtedly both methods throw a very large depressing number.
The question which you are better off asking is – If I were to retire now, what will I have every year and work on increasing this number. eg) If your retirement accounts plus investments are worth $100,000, assuming a 3% draw down for perpetual income – you are already ready to retire now at a draw down of $3000 per year!
This is a “glass is half full” view of the problem as against a “glass is half-empty” view. Of course, you may choose not to retire as $3000 is too low, but this can be more inspiring – can you set a goal to increase this to $4000 a year?