Disclaimer
Last updated: January 2025
Educational Purpose Only
CalcFire is designed exclusively for educational and informational purposes. The calculators, projections, and information provided on this website are tools to help you understand general financial concepts and explore hypothetical scenarios.
Not Financial Advice
CalcFire does not provide financial, investment, tax, legal, or accounting advice. The content on this website should not be construed as professional financial advice or a recommendation to buy, sell, or hold any investment or security.
No Guarantee of Results
The projections and calculations provided by CalcFire are based on hypothetical scenarios and assumptions that may not reflect actual market conditions. Past performance of the S&P 500 or any investment does not guarantee future results. Actual investment returns may vary significantly from projections.
Assumptions and Limitations
Our calculators use simplified models that make certain assumptions:
- Returns are assumed to compound annually at a constant rate (unless using historical data)
- Tax implications are not fully accounted for
- Inflation adjustments are estimates based on historical CPI data
- Fees, expenses, and transaction costs are not included
- The "4% rule" is a guideline, not a guarantee of sustainable withdrawals
Investment Risk
All investments involve risk, including the possible loss of principal. The value of investments can go down as well as up. You should be prepared to lose some or all of the money you invest.
Consult Professionals
Before making any financial decisions, you should consult with qualified professionals including:
- A licensed financial advisor or planner
- A certified public accountant (CPA) for tax matters
- An attorney for legal matters
Data Accuracy
While we strive for accuracy, we cannot guarantee that all data, including historical S&P 500 returns and inflation data, is error-free. Users should verify important information from primary sources.
No Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Your Responsibility
You are solely responsible for your financial decisions. By using CalcFire, you acknowledge that you understand and accept these limitations and that you will not hold CalcFire liable for any financial losses or decisions made based on information from our website.