1. Acceptance of these terms
By accessing or using 401kcalc.app, you agree to these Terms & Conditions. If you do not agree, please do not use the website. If you use the website on behalf of an organization, you confirm that you have authority to accept these terms for that organization.
2. Educational purpose
The website and calculator are provided for general educational and informational purposes. They are not financial, investment, legal, tax, or accounting advice, and they are not a recommendation to contribute, invest, withdraw, or change any retirement plan. You are responsible for your decisions and should consult a qualified financial planner, tax adviser, attorney, or plan administrator as appropriate.
3. No guaranteed results
Calculator outputs are hypothetical estimates based on the information and assumptions you provide. Actual results may differ because of plan rules, contribution timing, fees, taxes, inflation, investment performance, market conditions, life events, and changes in law. Nothing on this website guarantees a return, a retirement outcome, tax treatment, or employer match.
4. Your use of the website
You may use the calculator for lawful personal or internal educational purposes. You may not interfere with the website, attempt unauthorized access, introduce malicious code, scrape the site at unreasonable volume, misuse the contact channels, or use the website in a way that violates another person’s rights or applicable law.
5. Your inputs and shared scenarios
You are responsible for the accuracy and privacy of information you enter. Scenario URLs may include planning inputs, so review them before sharing. Do not enter account numbers, passwords, Social Security numbers, or other sensitive information. CSV exports and share links are provided for your own use and may be stored by your browser or device after you download or share them.
6. Intellectual property
The website, calculator, text, design, branding, code, and other materials are owned by or licensed to 401kcalc.app and are protected by applicable intellectual-property laws. You may link to the website and use the calculator as intended, but you may not copy, modify, distribute, commercially exploit, or create derivative works from the website without permission. These terms do not limit rights that cannot legally be limited.
7. Third-party links and services
The website may link to third-party resources, including official government or financial-information sites. We do not control and are not responsible for third-party content, availability, security, or practices. A link does not imply endorsement. You use third-party services at your own risk and should review their terms and privacy policies.
8. Availability and changes
We may change, suspend, or discontinue any website feature, correct content, update assumptions, or revise these terms at any time. We may also change or discontinue advertising and other third-party services. We do not promise that the website will always be available, uninterrupted, or error-free.
9. Disclaimer and limitation of liability
To the maximum extent permitted by law, 401kcalc.app and its operators disclaim all warranties, express or implied, relating to the website and its content, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. To the maximum extent permitted by law, 401kcalc.app is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, or opportunities, arising from your use of the website.
Nothing in these terms excludes or limits rights or liabilities that cannot be excluded or limited under applicable law.
10. Contact
Questions about these terms can be sent to contact@401kcalc.app. Please include enough context for us to understand the issue, but do not include passwords, account numbers, or sensitive personal information.