Terms of use
Last updated 2026-09-10.
By using Retirematics you agree to these terms. They exist mainly to be clear about one thing: the calculators produce estimates, not advice.
Estimates, not advice
The calculators and articles on this site are general information for planning purposes. They are not financial, tax, legal or actuarial advice, do not create a professional relationship, and do not account for your complete circumstances. Rules change; figures may be out of date or, despite testing, wrong. Confirm any number that matters with the Social Security Administration, the IRS, your plan or a licensed professional before relying on it.
No warranty
The site is provided "as is" and "as available", without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and uninterrupted availability.
Limitation of liability
To the fullest extent permitted by law, Retirematics and its maintainer are not liable for any loss or damage — including a claiming decision, a modified 72(t) series and its recapture tax, a lump-sum election or lost returns — arising from use of, or reliance on, the site or anything on it.
Acceptable use
You may use the calculators for personal or internal business purposes and link to any page. You may not scrape the site at a rate that degrades it for others, remove attributions, or present the site's output as your own product without permission.
Third-party links and services
Links to government agencies and other third parties are provided for convenience. Retirematics does not control those sites and is not responsible for their content or practices. No link on this site is currently an affiliate link; if that changes it will be disclosed, as the about page describes.
Intellectual property
The text, design and code of this site are the property of its maintainer unless otherwise noted. Rates, tables and thresholds are public information published by government agencies.
Changes
These terms may be updated; the current version is always at this address with its "last updated" date.