Terms of Use

By accessing or using retireclarity, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

retireclarity is a web-based retirement planning calculator that provides tools for:

• Year-by-year retirement projections
• Tax calculations (federal, state, IRMAA, ACA subsidies)
• Roth conversion optimization
• Monte Carlo simulation using historical market data
• Bond allocation optimization

The Service is designed for U.S. taxpayers and relies on U.S. federal and state tax rules, including ACA subsidies and Medicare/IRMAA. If you are not a U.S. taxpayer, the calculations may be inaccurate or inapplicable to your situation.

The Service runs entirely in your browser and does not transmit your financial data to any server. All calculations are performed client-side.

THE SERVICE IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including:

• Accuracy: We do not warrant that the calculations, projections, or tax computations are accurate, complete, or error-free.
• Reliability: We do not warrant that the Service will be uninterrupted, secure, or free from bugs, viruses, or other harmful components.
• Currency: Tax laws, investment returns, and financial regulations change. We do not guarantee that the Service reflects current law or market conditions.
• Suitability: We do not warrant that the Service or its recommendations are suitable for your particular situation.

We have no obligation to update the Service to reflect changes in tax law, financial regulations, market conditions, or your personal circumstances. Any updates we choose to make are provided at our discretion.

You acknowledge that financial projections are inherently uncertain and that actual results may differ materially from projected results due to market volatility, changes in tax law, inflation, longevity, healthcare costs, and numerous other factors.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL RETIRECLARITY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, revenue, or savings
• Loss of investments or retirement funds
• Tax liabilities or penalties
• Opportunity costs or foregone gains
• Business interruption
• Loss of data or information

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of certain types of liability, our liability shall be limited to the maximum extent permitted by law.

Because the Service is provided free of charge, you agree that any damages you may claim are limited to the amount you paid to use the Service, which is zero.

By using the Service, you agree to:

• Verify All Information: Independently verify all calculations and projections before relying on them.
• Consult Professionals: Seek professional financial, tax, and legal advice before making any decisions based on the Service.
• Provide Accurate Inputs: Ensure that all data you enter into the calculator is accurate and complete. Garbage in, garbage out.
• Understand Limitations: Recognize that the Service uses assumptions and simplifications that may not reflect your actual situation.
• Update Regularly: Revisit your projections regularly as your circumstances, tax laws, and market conditions change.
• Use Lawfully: Use the Service only for lawful purposes and in accordance with these Terms.
• No Misuse: Not attempt to interfere with, disrupt, or compromise the security or functionality of the Service.
• Secure Your Device: Maintain appropriate security for any device you use to access the Service, including operating system updates, access controls, and safe browsing practices.

The Service, including its code, design, text, graphics, logos, and other content, is owned by retireclarity and is protected by copyright, trademark, and other intellectual property laws.

You may use the Service for your personal, non-commercial use. You may not:

• Copy, modify, distribute, or create derivative works of the Service
• Reverse engineer, decompile, or disassemble the Service (except as permitted by law)
• Remove or alter any copyright, trademark, or proprietary notices
• Use the Service for commercial purposes without our written permission

Your use of the Service does not grant you any ownership rights to the Service or its content.

The Service may contain links to third-party websites or services (such as Buy Me a Coffee, Tally, and external resources). These links are provided for your convenience only.

We do not endorse, control, or assume responsibility for any third-party websites, services, or content. Your use of third-party services is at your own risk and subject to their terms and privacy policies.

You acknowledge and agree that:

• Financial planning involves significant risk and uncertainty
• Past performance (including historical market data) does not guarantee future results
• Tax laws are complex and subject to change, and the Service's tax calculations may not reflect recent changes or special circumstances
• Monte Carlo simulations show possible outcomes but cannot predict actual future market performance
• You bear all risk for financial decisions you make based on or influenced by the Service

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on the Service with a new "Last Updated" date.

Your continued use of the Service after we post changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service.

Material changes will be noted on this page with an updated date.

You may stop using the Service at any time. We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice.

Upon termination, your right to use the Service will immediately cease. Sections of these Terms that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) will survive.

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of such courts.