Use of tools and reference material
Calculator Terms of Use
Version 2026-09-07-v1. Effective September 7, 2026.
These terms govern your use of this site's calculator provided by Super Tiny Software LLC. Selecting the unchecked agreement box before using the calculator signifies your agreement to this version of the terms. If you do not agree, leave the box unchecked and do not use the calculator.
Permission to use the calculator
You may use the calculator for lawful purposes. You are responsible for your inputs and decisions based on its output. Do not interfere with the service or use it to violate another person's rights. This permission does not transfer ownership of the software or grant rights to third-party content.
Acceptance and later versions
The calculator records this version and the acceptance time in browser storage when available. This is a device-local record, not an account or a server-held acceptance record. Unchecking the box disables further calculations and removes the local record; it does not undo an agreement covering earlier use. Each new page session requires an affirmative selection. A later version applies to later use only after you accept it.
Super Tiny Software LLC provides these calculators, estimates, and reference materials for education and general information.
Scope of this site
Educational estimates only, not personalized financial, investment, tax, or legal advice. Projections are hypothetical, are not actual investment results, and do not guarantee future returns or that savings will last. Verify assumptions with a qualified adviser before making financial decisions.
Check the inputs and the result
Results depend on the inputs, formulas, assumptions, and source material described on each page. Defaults are examples, not recommendations. Tools may omit relevant circumstances, contain errors, or rely on information that has changed. Independently verify a result before using it to make a decision. Using this site does not create an adviser-client, attorney-client, or other professional relationship.
Financial projections
Where financial examples or calculators appear, they illustrate mathematical assumptions rather than predict performance. Investment values can fall and principal can be lost. Taxes, fees, inflation, changing returns, and the order of gains and losses can materially change outcomes. A withdrawal-rate target does not establish that a retirement plan is safe. Seek advice suited to your circumstances from a qualified professional.
Warranties and availability
To the extent permitted by applicable law, the tools and reference materials are provided “as is” and “as available,” without warranties of accuracy, completeness, reliability, fitness for a particular purpose, merchantability, or uninterrupted availability. Updates and corrections may be made without advance notice.
Limits on liability
To the extent permitted by applicable law, Super Tiny Software LLC disclaims liability for losses arising from reliance on these tools or reference materials, including financial losses, lost profits, lost data, and business interruption. Nothing in this notice excludes or limits liability or consumer rights that applicable law does not allow to be excluded or limited.
Sources and corrections
External publishers remain responsible for their own content and terms. Links do not imply endorsement or a professional review of your circumstances. Check the cited sources and source-check dates. Corrections to reference material appear in the affected page’s revision history.