Terms of Service
1. Acceptance of Terms
By accessing and using the Retirement Planning Simulator ("the Website"), you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you do not have permission to access the Website.
2. Educational Purposes Only (Not Financial Advice)
The tools, calculators, and information provided on this Website are for educational and informational purposes only. We are not a registered investment advisor, broker-dealer, or tax professional. Nothing on this Website constitutes financial, investment, legal, or tax advice.
You acknowledge that any financial decisions you make based on the output of our calculators are made at your own risk. Always consult with a qualified, licensed financial professional before making decisions regarding investments, retirement planning, or tax strategies.
3. Accuracy of Projections
The outputs generated by the Retirement Planning Simulator are hypothetical projections based on user-provided inputs and constant mathematical formulas (such as fixed monthly compounding). These projections:
- Do not reflect actual, historical, or future market conditions.
- Do not account for taxes, advisory fees, or platform fees. The "Tax Treatment" labels in the calculator are for your reference only and do not change the math.
- Only account for inflation when the inflation toggle is switched on, and then only at the single constant rate you choose.
- Do not account for Required Minimum Distributions (RMDs), taxes, or fees.
- Model market variability only in the Monte Carlo view, and only through a simplified randomized-return model; the steady-returns view does not model sequence-of-returns risk at all.
We make no warranties or representations regarding the accuracy, reliability, or completeness of the calculator's outputs.
4. Limitation of Liability
In no event shall the creators, owners, or operators of the Website be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, the Website. The service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind.
5. Intellectual Property
The design, interface, methodology, and underlying codebase (including custom HTML, CSS, and JavaScript) of the Website are the exclusive property of Retirement Planning Simulator and are protected by copyright and intellectual property laws. You may not copy, scrape, reproduce, or reverse-engineer the calculator for commercial use without express written permission.
6. Advertisements
The Website displays third-party advertisements served by Google AdSense. The appearance of an advertisement does not constitute an endorsement, recommendation, or guarantee by us of the advertised product, service, or company — and in particular, no advertisement should be read as financial advice. We are not responsible for the content of advertisements or for any goods or services obtained through them; your dealings with advertisers are solely between you and the advertiser.
7. Geographic Scope
The Website is designed primarily with the retirement system of the United States in mind, including account types such as 401(k) plans and Roth IRAs. Visitors from other countries are welcome to use the calculator for general educational purposes, but should understand that it does not reflect the pension systems, account types, tax rules, or regulations of any other jurisdiction. If you are outside the United States, rely on your own country's rules and consult a local professional.
8. Changes to Terms
We reserve the right to modify or replace these Terms at any time. We will indicate the date of the most recent changes at the top of this page. Your continued use of the Website after any modifications indicates your acceptance of the new Terms.