Disclaimer

RetireWise provides informational and educational tools designed to help you think about retirement planning. Nothing on this website constitutes personalized financial advice, and no content should be interpreted as such.

RetireWise is not a registered investment advisor, broker-dealer, financial planner, or tax advisor. We do not recommend, endorse, or advise on the purchase, sale, or holding of any security, insurance product, or other financial instrument. No fiduciary relationship is created between RetireWise and any user of this site.

The tools, calculators, and content provided on this site are intended solely for general informational purposes. Your use of RetireWise does not create a professional-client relationship of any kind.

All calculator results are mathematical estimates generated from the inputs and assumptions you provide. Different inputs and assumptions will produce different results. The accuracy of any output depends entirely on the accuracy and completeness of the data you enter.

Calculator results are projections, not guarantees. They should not be relied upon as the sole basis for making financial decisions. Real-world outcomes will differ from modeled projections due to market conditions, tax law changes, personal circumstances, and other factors that cannot be fully anticipated.

RetireWise uses Monte Carlo simulation to generate a range of possible retirement outcomes based on statistical models and historical data. Monte Carlo results represent probabilities, not predictions. They illustrate what could happen under a variety of simulated market conditions — not what will happen.

A 90% success rate does not mean your retirement plan will succeed. It means that 90 out of 100 simulated scenarios succeeded under the specific assumptions built into the model. The remaining 10 scenarios resulted in portfolio depletion before the end of the projection period.

Actual market behavior may differ materially from the statistical distributions used in the simulation. Past market patterns are not guaranteed to repeat, and the models cannot account for unprecedented economic events, structural market changes, or other unforeseen circumstances.

Certain features of RetireWise use artificial intelligence (Claude by Anthropic) to generate written insights and commentary based on your calculator inputs and results. These AI-generated insights are provided for informational purposes only and represent general commentary on your calculator outputs.

AI-generated content does not constitute personalized financial advice, investment recommendations, or professional guidance of any kind. AI systems can produce inaccurate, incomplete, or misleading information. You should always verify AI-generated insights independently and should not rely on them when making financial decisions.

RetireWise does not guarantee the accuracy or reliability of any AI-generated content.

Tax calculations on RetireWise are based on 2024 federal income tax brackets and standard deduction amounts as published by the Internal Revenue Service. These calculations are simplified estimates intended for planning purposes only.

Important limitations of our tax modeling include:

• State and local taxes are not modeled. Your actual tax burden may be significantly higher depending on where you live.
• Tax laws change frequently. Federal brackets, deductions, credits, and rules governing retirement accounts are subject to legislative changes that may materially affect your tax situation.
• The calculators do not account for all possible deductions, credits, exemptions, or special tax situations (such as the Alternative Minimum Tax).
• Medicare IRMAA surcharges are estimated based on current thresholds and may change annually.

Consult a qualified tax professional for advice specific to your individual circumstances.

Past performance does not guarantee future results. Historical return data and asset class assumptions used in RetireWise's calculators are based on long-term historical averages and may not reflect future market conditions, economic environments, or investment returns.

All investments carry risk, including the possible loss of principal. The value of any investment can fluctuate, and you may receive back less than you originally invested. Expected returns shown in the calculators are hypothetical and are not promises or guarantees of actual performance.

Asset class return assumptions, volatility estimates, and correlation data are derived from historical sources and represent averages over long time periods. Actual returns in any given year or period may vary substantially from these averages.

Social Security benefit calculations on RetireWise are based on current Social Security Administration (SSA) benefit formulas, including early claiming reductions and delayed retirement credits. These calculations are estimates based on the inputs you provide and the benefit rules in effect at the time of development.

Social Security benefits and eligibility rules are subject to change through future legislation. The long-term solvency of the Social Security Trust Fund is uncertain, and Congress may enact changes to benefit formulas, eligibility ages, cost-of-living adjustments, or taxation of benefits. RetireWise does not attempt to predict or model potential future legislative changes.

For an official estimate of your Social Security benefits, visit ssa.gov/myaccount.

Before making any financial decisions — including decisions about retirement savings, investment strategy, asset allocation, withdrawal planning, tax strategy, Social Security claiming, or insurance — you should consult with a qualified professional who can evaluate your complete financial situation.

Depending on your needs, this may include a certified financial planner (CFP), registered investment advisor (RIA), certified public accountant (CPA), enrolled agent (EA), or attorney specializing in estate or tax law. A qualified professional can provide personalized advice that accounts for your specific income, assets, liabilities, goals, risk tolerance, and tax situation.

RetireWise is a planning tool, not a substitute for professional financial advice.

RetireWise and all of its tools, calculators, content, and features are provided “as is” and “as available” without warranty of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.

We do not guarantee that the calculators, AI-generated insights, or any other content on this site will be accurate, complete, reliable, current, or error-free. We do not warrant that the site will be available uninterrupted or free from technical issues.

To the fullest extent permitted by applicable law, RetireWise disclaims all liability for any loss or damage arising from your use of or reliance on any information, tools, or content provided on this site.

If you have questions about this disclaimer or any other aspect of RetireWise, please contact us at support@retirewise.me.