Terms of Service
Last updated: April 20, 2026
Agreement
By using Retirement Hub (retirementcalchub.co) you agree to these terms. If you don't agree, don't use the site. We may update these terms; continued use after changes constitutes acceptance.
Not financial, tax, investment, or legal advice
Every calculator, checklist, quiz, and planner on this site is for educational purposes only. Nothing here is investment advice, tax advice, legal advice, fiduciary advice, or a recommendation to buy or sell any security. The tools compute outputs based on the inputs you provide using standard formulas. They do not know your full financial picture, risk tolerance, family situation, or goals.
For decisions involving retirement planning, tax strategy, estate planning, or investment allocation, consult a licensed professional — a Certified Financial Planner (CFP), Certified Public Accountant (CPA), or licensed attorney. We recommend flat-fee fiduciary CFPs via NAPFA, XY Planning Network, or Garrett Planning Network.
Investment return assumptions
Calculators use simplified compound-growth and withdrawal formulas with user-supplied rate assumptions. Actual investment returns vary year to year, are not guaranteed, and can be negative. Past performance does not predict future results. Stock, bond, and cash returns over a 30-year retirement may differ materially from historical averages.
Tax, Social Security, and Medicare assumptions
Tax bracket schedules, IRA/401(k) contribution limits, IRS RMD factors, Social Security bend points, and Medicare IRMAA thresholds are updated periodically. We make reasonable efforts to keep them current, but legislative changes (SECURE Acts, tax reform, Medicare rule changes) may not be reflected immediately. Always verify against official sources (IRS, SSA, CMS) before making decisions.
No warranty
The site and all tools are provided "as is" without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that calculations are error-free, that the site will be available uninterrupted, or that tax/regulatory inputs are current.
Limitation of liability
Retirement Hub, its authors, its parent organization, and any affiliates are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from use of the site or reliance on any calculation or content. Total liability under any theory is limited to the amount you paid to use the site, which is $0.
Acceptable use
Don't use the site to harass, scrape, or attempt to disrupt service. Don't copy the calculators or content to republish without permission. Personal, non-commercial use of the tools and their PDF exports is welcome and encouraged — print them, share with your spouse, bring to your advisor.
Third-party links and affiliate relationships
Links to brokerages (Fidelity, Vanguard, Charles Schwab, Empower) may be affiliate links — we may receive compensation if you open an account through them. This does not affect the calculations on our site or our recommendations. We only link to companies we would use ourselves.
Intellectual property
All site content, calculator logic, and design are the property of Retirement Hub / Digital Dashboard Hub unless otherwise noted. You may screenshot and share results for personal use.
Governing law
These terms are governed by the laws of the United States and the state of Delaware, without regard to conflict of law principles. Any dispute must be resolved in Delaware courts.
Changes to these terms
We may update these terms from time to time. Material changes will be reflected in the "Last updated" date at the top. Continued use after changes constitutes acceptance.
Contact
Questions about these terms: contact us.