Nothing on this site or the linked calculators constitutes financial, investment, tax, legal, accounting, or government-benefits advice, and using them does not create any advisory or professional relationship. They are self-service tools for general educational purposes only. This project also sells nothing — no ads, no affiliate, referral, or sponsorship relationships with any financial company — so it earns nothing from your decisions and has no incentive to steer them.
Every figure is a projection built from your inputs using simplified math. Real life differs: markets vary, laws change (sometimes retroactively), and your complete situation has fine print no one-page tool can capture. Actual results will differ. No accuracy, completeness, or outcome is promised, and the calculations may contain errors. Each calculator carries its own disclaimer with tool-specific caveats — read it before relying on that tool.
The IRS, the Social Security Administration, CMS/Medicare, your state's tax authority and benefit programs, and plan documents are the authorities — and for big, hard-to-reverse decisions, a fee-only fiduciary advisor or CPA who is paid for advice rather than for selling a product is worth real money.
These are independent, privately made tools — not created, endorsed, sponsored, or reviewed by any government agency, brokerage, plan, or financial company.
Everything here is provided "as is," without warranty of any kind, express or implied, including any warranty of accuracy, merchantability, or fitness for a particular purpose. To the fullest extent permitted by law, the author shall not be liable for any loss or damages of any kind arising from your use of, or reliance on, these tools or their output. Your use is entirely at your own risk.
The tools are free to use. Any "tip" or "support" payment is a voluntary gift, is not a purchase of any service, is not required for any feature, and is non-refundable. Supporting the project does not entitle you to advice or any particular result, and does not change any part of this disclaimer.
The tools and this notice may be updated at any time; the "Last updated" date above reflects the latest revision. Continued use means you accept the current version.
© 2026 Marcus Cunningham. All rights reserved. The tools are free to use and you're welcome to share links — but their code is not licensed for reuse, redistribution, rehosting, or repackaging.