Sorry folks: somehow this didn't post yesterday as I planned. Enjoy this morning!

We usually like to post Consumer Web Site of the Week a little earlier, but it's been a busy news day. So, here's a late afternoon toy to fool with that's only slightly less depressing than checking out your retirement investment losses.

Yesterday the New York Times posted a "comeback calculator" that allows you to figure out how long it will take for your retirement accounts return to their pre-recession levels. It will also tell you how much you'll have in retirement, but any run-of-the-mill calculator can do that!

Just plug in your previous balance, your current balance and your annual contributions, and let the calculator do the rest. Adjust the rate of return for optimistic outlooks and drearier ones.

Yes, we'll be working for a long, long time.