Disclaimer
Last Updated: February 16, 2026
⚠️ Critical Notice
The calculators and information on this website are for educational and informational purposes only. They do not constitute financial, tax, legal, or investment advice.
No Financial Advice
This website provides retirement planning calculators and general information about taxes, Social Security, and retirement accounts. None of this information should be construed as personalized financial, investment, tax, or legal advice.
The creators and operators of this website are not financial advisors, tax professionals, or legal experts. We do not provide advice on specific financial decisions, tax strategies, or investment choices.
Estimates Only
All calculator results are estimates based on the assumptions and inputs you provide. Actual results will vary—potentially significantly—due to:
- Actual investment returns and market performance
- Changes in tax laws, regulations, and tax brackets
- Changes to Social Security formulas, benefits, or claiming rules
- Changes to Medicare costs and IRMAA thresholds
- Individual circumstances not captured by the calculators
- Inflation rates differing from projections
- Life expectancy and health outcomes
- Unexpected expenses or income sources
Tax Law Assumptions
Our calculators are based on 2026 federal tax law as enacted at the time of the last update. Tax laws change frequently. Future tax brackets, standard deductions, Social Security taxation thresholds, and IRMAA limits may differ significantly from current law.
State income taxes are not included. If you live in a state with income tax, your actual tax burden will be higher than calculated.
Social Security Disclaimer
Social Security calculations assume current benefit formulas and claiming rules. Congress may change Social Security benefits, full retirement age, early claiming penalties, delayed retirement credits, or taxation thresholds at any time.
For official Social Security estimates, visit ssa.gov and create a my Social Security account.
No Warranty or Guarantee
This website and its calculators are provided "as is" without warranty of any kind, express or implied. We make no guarantees regarding:
- Accuracy, completeness, or reliability of information
- Suitability for any particular purpose
- Freedom from errors, bugs, or calculation mistakes
- Uninterrupted or error-free operation
- Currency or timeliness of information
Limitation of Liability
To the maximum extent permitted by law, the creators, operators, and contributors to this website shall not be liable for any damages arising from:
- Use or inability to use this website or its calculators
- Reliance on any information, estimates, or results provided
- Financial decisions made based on calculator outputs
- Errors, omissions, or inaccuracies in calculations or information
- Any other use of this website
This limitation applies to all claims, whether based on contract, tort, negligence, strict liability, or any other legal theory.
Consult Professionals
Before making any financial, tax, or legal decisions, consult qualified professionals:
- Certified Financial Planner (CFP®) for investment and retirement planning
- Certified Public Accountant (CPA) or Enrolled Agent (EA) for tax advice
- Estate Planning Attorney for legal and estate matters
- Social Security Administration for official benefit estimates
Third-Party Links
This website may contain links to third-party websites (such as IRS.gov, SSA.gov, or Medicare.gov). We are not responsible for the content, accuracy, or availability of third-party sites. Links are provided for convenience only and do not constitute endorsement.
Advertising Disclosure
This website may display advertisements through Google AdSense or other advertising networks. We do not control which ads are shown. The presence of an advertisement does not constitute an endorsement of the advertised product or service.
We may earn revenue from ads displayed to visitors. This does not affect the calculations or information provided.
Use at Your Own Risk
By using this website and its calculators, you acknowledge and agree that:
- You are using the website entirely at your own risk
- You will not rely solely on this website for financial decisions
- You will seek professional advice before acting on any information
- You understand results are estimates and may be inaccurate
- You will verify all information with official sources
Changes to This Disclaimer
We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the modified disclaimer.
Contact
If you have questions about this disclaimer, please email us.