diff --git a/cs623/proj1/RetirementCalculatorModel.java b/cs623/proj1/RetirementCalculatorModel.java
index 1d0d61f..027180d 100644
--- a/cs623/proj1/RetirementCalculatorModel.java
+++ b/cs623/proj1/RetirementCalculatorModel.java
@@ -94,4 +94,22 @@ public class RetirementCalculatorModel
     {
         return 0.0;
     }
+    
+    private double calculateTotalSavingsFactor()
+    {
+        double retire_age = getField("retirement age");
+        double current_age = getField("age");
+        double years_to_retirement = retire_age - current_age;
+        int five_years_to_retirement =
+            (int) ((years_to_retirement + 2.5) / 5.0);
+        if (five_years_to_retirement < 2)
+            five_years_to_retirement = 2;
+        if (five_years_to_retirement > 8)
+            five_years_to_retirement = 8;
+        int total_savings_factor_index = five_years_to_retirement - 2;
+        double total_savings_factors[] = {
+            0.085, 0.052, 0.036, 0.027, 0.020, 0.016, 0.013
+        };
+        return total_savings_factors[total_savings_factor_index];
+    }
 }