Terms & disclaimer

Not financial, tax, or legal advice

This site provides free educational calculators and general information. It is not financial, tax, investment, or legal advice, and nothing here is a recommendation to buy or sell any product or security. We are not your financial advisor or fiduciary. Every figure is an estimate produced by a model with stated limitations (see Method) — verify anything that matters with a professional looking at your actual situation.

The introductions

If you ask to be introduced to a financial professional, that person is a separate, independent firm with their own obligations to you. We do not manage money, hold custody of assets, or provide advice. How we're paid is described on How we get paid. Ask any advisor you're introduced to whether they are a fiduciary, how they are paid, and what it costs before engaging them.

No warranty

The tools are provided "as is," without warranty of any kind. Tax law changes and our model is held to a fixed point in time; figures may be out of date or wrong at the edges. We are not liable for decisions made on the basis of these estimates.

Sources

Tax figures are 2026 (IRS Rev. Proc. 2025-32); RMD divisors are the IRS Uniform Lifetime Table. Full method and limitations: Method.