There are dozens of Web sites that provide calculators to help with personal finance decisions. Two good examples are www.quicken.com and www.financialpost.com. Log on to the Financial Post site, and click on "Personal Finance" to find a nice savings calculator. Suppose that you invest $1,000 today. How much will you have after 30 years if the interest rate is 6% and you do not save another dime? Check your answer with the savings calculator. Now try the same question assuming that you also save $200 a month.