They won't offer tax advice. They won't suggest ways of income-splitting with a spouse. They won't advise on whether you should take your CPP at age 60, or wait until 65. These are areas where professional financial planning advice can come in handy. The Canadian Association of Financial Planners has an online list of its members, along with some questions you should ask anyone who wants to manage your finances.
Calculators can be great motivators.
But they can only do so much. Consult a pro, buy a retirement planning book, visit your bank manager. If there's one thing retirement calculators all show, it's that time can be a real enemy. Delaying any retirement saving until you're 60 is just asking for trouble. Start saving when you're 25, and suddenly your job becomes a lot easier.