Has anyone looked at this site? I think I heard about it from this website or another blog (can't remember): http://www.esplanner.com/research.php They basically say that you are probably saving *too much* and help you figure out what the right amount is.
I've heard good things about esplanner; it was mentioned in a New York Times article awhile back. Certainly has a good pedigree, although you can tell it was put together by economists; it doesn't seem like the most user-friendly program in the world. But it seems very powerful as a financial planning tool. I would buy it myself but there's no Canadian version.