AARP's website features calculators that can help track Social Security benefits, 401K fees, and retirement.
AARP of Virginia director of advocacy David DeBiasi says most people get more benefits when they work longer, but others leave their long-term employers early, collect Social Security, and then go back to work for a different employer.
He says these new, personalized tools help change views about the timing of retirement.
"The online tool visualizes things through graphs and pie charts, so when you make choices about your retirement plans, it'll show you how those choices impact you," says DeBiasi.
He adds that the sooner they adopt the lifestyle changes recommended by the calculators, the better off they'll be.