I want to do some sophisticated, flexible, reliable and affordable retirement
planning.  Back in 2001, I used a Quicken program which I considered
ideal, but I have not been able to find that on a current basis.  I
want to be able to choose my own assumptions as to interest,
inflation, etc; and to include 401k, my defined benefit plan, and
Social Security (as now written).  Suggestions?

The following retirement calculator looks like it will meet all of
your expressed needs.  Best of all, it's free.

Sincerely,

Wonko

"Am I saving enough?  What can I change?"  Motley Fool
http://partners.financenter.com/motleyfool/calculate/us-eng/retire02a.fcs

Vanguard also has a retirement calculator that is less elaborate.

"How Much Should I Save for Retirement?"  Vanguard Group
http://flagship5.vanguard.com/VGApp/hnw/RetirementSavings

What I use is Excel.  I simply make a spreadsheet with a column for
each investment (401k, IRA...) and an inflation (consumer price index)
column.  It looks like this (fictional number of course as to not
disclose financial info):
             401k     IRA    CPI     401k rate  IRA rate   Inflation rate
April 05     $5000   $2500   1.0       11%        10%           2.5%
May   05     $5526   $2742   1.0       11%        10%           2.5%

To get the May 05 numbers (cells c2, c3, and c4) here are the formulas:
c2: =b2*(1+b5/12) (+new investment... you can have another input column for this)
c3: =b3*(1+b6/12) (+new investment... you can have another input column for this)
c4: =b4*(1+b7)

Then just drag all your colums way down to your retirement date.  I
also have 2 columns for Net Worth and Real Net Worth.
Then after your retirement date, you can continue the rows (presumably
with no more contributions).  Keep the interest multiplier but instead
of adding new investments, you will now be subtracting the amount you
need to live off of on a monthly basis.
What I do is take all my money out of the 401k first then when that
reaches $0 I start taking money out of the IRA.  Also when taking
money out, remember to adjust it for inflation which is really easy
since you have the CPI (the real cost of goods in 2005 dollars) right
there to do the math for you.

I hope that helps... it does take a bit of excel knowledge, but if you
have that then you can do anything :)
Let me know if you have any questions about this and I'll gladly help out.

If you don't know excel then you'll probably be paying $30 for some
software that is easier to use but isn't as flexible as the
spreadsheet above.