Terms of Service

Last updated: January 2026

What This Is

This is a free educational tool designed to help you explore retirement planning concepts. It is not financial advice, and should not be treated as such.

No Guarantees

All calculations are estimates based on historical averages and the inputs you provide. Actual investment returns will vary—sometimes significantly. Past performance does not guarantee future results.

The projections assume consistent contributions and returns over time, which rarely happens in practice. Real-world results depend on market conditions, timing, fees, taxes, and countless other factors we can't predict.

Your Responsibility

Before making any investment decisions, consult a qualified financial advisor who can consider your complete financial situation, goals, and risk tolerance.

This calculator is a starting point for thinking about retirement—not a replacement for professional advice.

Changes

We may update these terms from time to time. Continued use of the calculator after changes means you accept the new terms.