Disclaimer

1. No Financial, Tax, or Legal Advice

Nothing contained on this site constitutes financial planning, investment advice, tax planning, retirement planning, legal counsel, or any other kind of professional service or recommendation. Calculators produce estimates based on the assumptions and data YOU provide — and are limited by those inputs as well as the formulas used.

Before making ANY financial decision, you should consult with one or more of the following:

• A fiduciary financial planner (CFP®)
• A Certified Public Accountant (CPA) for tax questions
• A licensed attorney for estate planning or legal matters
• An ERISA-approved advisor for employer retirement plan decisions

2. Calculator Accuracy Limitations

All calculators are simplified mathematical models. They cannot account for the entire complexity of the real world. Specific limitations include, but are not limited to:

• Fees, expense ratios, loads, and advisory costs are typically NOT included unless the calculator explicitly states otherwise.
• Tax calculations are simplified and do not model your specific tax bracket, AMT, state/local taxes, or credits.
• Market returns assumed in calculators (e.g. 7% real return) are historical averages — future returns can and will differ, potentially dramatically.
• Inflation assumptions are flat estimates; actual inflation fluctuates year-to-year.
• Social Security estimates are simplified projections, not a substitute for your official SSA.gov statement.
• Contribution limits for IRAs, 401(k)s, and other accounts change annually — always verify with the IRS.

3. No Guarantee of Results

Past performance of any asset class does not guarantee future results. Any projection, graph, or calculation output on this site is a mathematical extrapolation, not a prediction. Your actual results may be higher or — very likely — lower than what is shown, and may include the possibility of significant loss, including loss of principal.

4. No Client Relationship

Use of this site does NOT form any client-advisor, attorney-client, accountant-client, or any other professional relationship. No fiduciary duty exists between you and CompoundFig, its operators, its writers, or its affiliates.

5. Third-Party Content & Links

CompoundFig may link to third-party websites, tools, services, or products. We do not endorse, verify, or guarantee the accuracy of any third-party content. Third-party content is provided at your own risk, and any transactions between you and a third party are solely your responsibility.

6. Liability Limitation

To the maximum extent permitted by law, CompoundFig and its operators, owners, writers, contributors, partners, and affiliates disclaim ALL liability for any losses, damages, costs, or decisions arising from your use of — or reliance on — any content, calculator, article, or other material on this site.

This includes (without limitation) lost profits, capital loss, missed investment opportunities, emotional distress, and any consequential, incidental, special, exemplary, or punitive damages.

7. Errors, Omissions & Updates

While we make diligent efforts to ensure correctness, formulas can contain bugs, articles can become outdated, and laws/tax rules can change without us noticing. You are responsible for verifying any number or claim you intend to act upon.