Inexpensive retirement planning computer programs are available to help you through the planning and forecasting maze. The software contains a small commercial for the sponsoring fund family, but each program leads you through the information and planning process in an interview style that helps you plan a program unique to you and your situation. In addition, programs help you analyze some "what if" situations that could make a difference in your calculations. Below are five programs, their prices, and numbers to call for more information.

• Fidelity Retirement Planning Thinkware for Windows, $17.50 (1-800-457-1768).

• T. Row Price Retirement Planning Kit for PCs without graphics, $15 (1-800-541-1472).

• The Vanguard Retirement Planner for PC's with graphics, $17.50 (1-800-876-1840).

• Quicken Financial Planner, $39.95, available at computer software stores or catalogues.

• Quicken Retirement Planner, $59.95, available at computerstores or catalogues.