Terms of Service

Agreement to Terms

By accessing or using FreeRetirementCalculator.net ("the Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use the Site.

Description of Service

FreeRetirementCalculator.net provides free, browser-based retirement planning calculators and educational content. Our tools include retirement savings calculators, Coast FIRE calculators, 401(k) calculators, HSA calculators, 72(t) SEPP calculators, RMD calculators, and a 401(k) statement analyzer.

All calculations are performed locally in your browser. We do not store, transmit, or have access to the financial data you enter into our calculators.

Educational Purpose Only

All content on this Site, including calculators, articles, guides, and any other materials, is provided for educational and informational purposes only. Nothing on this Site constitutes financial, investment, tax, or legal advice.

You should consult with qualified financial, tax, and legal professionals before making any financial decisions. See our Disclaimer for full details.

Accuracy and Limitations

While we strive for accuracy, our calculators produce estimates based on assumptions and simplified models. Actual results will vary based on market conditions, tax law changes, individual circumstances, and other factors that cannot be predicted.

• Investment returns are not guaranteed and will fluctuate
• Inflation rates are estimates based on historical averages
• Tax rules change frequently and vary by jurisdiction
• Calculator results should not be used as the sole basis for financial decisions

Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Site or its systems
• Use automated tools to scrape, crawl, or extract data from the Site in a manner that disrupts service
• Reproduce, distribute, or create derivative works from our content without permission

Intellectual Property

All content on FreeRetirementCalculator.net, including text, graphics, logos, calculator designs, and software, is the property of FreeRetirementCalculator.net and is protected by applicable intellectual property laws. You may use our calculators for personal, non-commercial purposes. You may not reproduce, distribute, or republish our content without prior written consent.

Third-Party Services

The Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of any third-party sites. Links to external sites do not imply endorsement.

We use third-party services including Google Analytics for site analytics and Google AdSense for advertising. These services are governed by their own terms and privacy policies.

Limitation of Liability

FreeRetirementCalculator.net and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on any information provided. This includes, without limitation, any losses resulting from financial decisions made based on calculator outputs or educational content on this Site.

Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact

If you have questions about these Terms of Service, please contact us at freeretirementcalculator@proton.me.