Terms of Use

Effective: June 2026

1. Nature of Service

RetirePlanCalc.com provides free, browser-based retirement savings estimation tools. All calculations are performed locally in your web browser using publicly available formulas and parameters from IRS, SSA, and Federal Reserve publications.

2. Not Financial, Tax, or Legal Advice

CRITICAL DISCLAIMER: The estimates provided by this website are for informational and educational purposes only. They do not constitute:

• Financial advice or investment recommendations
• Tax advice or tax preparation services
• Legal advice
• An offer to sell or solicitation to buy any securities
• A substitute for consultation with a licensed CPA, fiduciary financial advisor, or tax attorney

Retirement planning involves complex individual circumstances that cannot be fully captured by a calculator. Always consult qualified professionals before making financial decisions.

3. Accuracy Limitations

While we strive to use current IRS and SSA parameters, our estimates are based on:

• Simplified tax brackets and standard deductions
• Assumed constant rates of return and inflation
• Generalized Social Security benefit formulas
• Parameters that may not reflect your specific situation

Actual results may differ materially from estimates. Tax laws change frequently, and investment returns are inherently unpredictable.

4. No Professional Credentials Claimed

RetirePlanCalc.com is operated by a development team. We do not hold CPA, CFP, RIA, or other financial advisory licenses. We do not claim professional qualifications to provide personalized financial or tax advice.

5. User Responsibility

By using this site, you acknowledge that:

• You are solely responsible for verifying any estimates against official sources
• You should not make financial decisions based solely on calculator results
• You understand that past performance does not guarantee future results
• You will seek professional advice for your specific financial situation

6. Data Privacy

All data entered into our calculators remains in your browser's local storage. We do not collect, transmit, or store any personal financial data. See our Privacy Policy for full details.

7. Intellectual Property

The content, design, and code of RetirePlanCalc.com are protected by copyright. You may not reproduce, distribute, or create derivative works without written permission. IRS and SSA parameters cited on this site are public domain.

8. Third-Party Links

This site contains links to external websites (irs.gov, ssa.gov, etc.) for reference purposes. We are not responsible for the content, accuracy, or availability of external sites.

9. Limitation of Liability

To the maximum extent permitted by law, RetirePlanCalc.com and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of or inability to use this website, including but not limited to financial losses resulting from reliance on calculator estimates.

10. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the site constitutes acceptance of updated terms.

11. Contact

Questions about these terms? Email 18999737@qq.com.