Terms of Use

The short, plain-language version.

The service

RetirePlot provides free educational calculators and articles about retirement planning. The service is provided "as is," without warranties of any kind.

Not advice

All content is educational. Nothing on this site is financial, tax, legal, or investment advice, and no content creates any professional relationship. The IRS and SSA govern actual limits and benefits.

Acceptable use

You may use the calculators freely for personal and commercial purposes. You may not misrepresent outputs as professional advice or attempt to disrupt the service.

Accuracy

We compute with standard annual-compounding conventions and reconcile outputs against closed-form solutions in automated tests. Real fund fees, taxes, and timing can differ; verify material decisions against official sources. See methodology for the assumptions behind every default, and the about page for who maintains the site.