Are you looking for Personal Finance Tools that you can access through the Internet at no charge? Fortunately, there are several available:
Kiplinger.com offers several. Here is an example of their College Education Analyzer:
http://partners.financenter.com/kiplinger/calculate/
us-eng/college01.fcs
Finplan.com also offers a few including a couple Retirement Analyzers:
http://www.finplan.com/retire/retneedcalc.asp
Morningstar.com also offers some. Here is their IRA analyzer:
http://screen.morningstar.com/IRA/IRACalculator.
html?rsection=ToolIRACal
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