In various embodiments, financial calculators with improved data security and data integration, collecting, managing and sharing data generated by a user are described. Selected financial data is accessed and shared with various financial tools in a centralized data store to provide a faster, easier calculator with fewer inputs. In one embodiment, a retirement calculator advises a user on how much to save in a corporate retirement plan, IRA and other investments, and the priority order in which to save. In another embodiment, a college savings calculator is disclosed that pre-fills anticipated college costs when a user selects a college.