Terms of Service
Last updated: July 5, 2026
1. Acceptance
By using RetireRatio (the “Service”) you agree to these Terms. If you do not agree, do not use the Service. The Service is intended for users 18 or older and for residents of the United States; its figures reflect U.S. federal tax rules only.
2. Not financial advice
This calculator is provided for general informational and illustrative purposes only and does not constitute financial, investment, tax, retirement, or legal advice. Its results are estimates based on the assumptions and figures you enter and on simplified, federal-only U.S. tax rules; they may be inaccurate, are not guarantees of future outcomes, and do not account for your full personal circumstances. Using this tool does not create any advisory or fiduciary relationship. The tool is provided “as is,” without warranty of any kind. Do not rely on it as a basis for financial decisions. Consult a qualified financial, tax, or legal professional before acting. You use this tool at your own risk.
3. Disclaimer of warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, RELIABILITY, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. We do not warrant that results are accurate or that the Service will be error-free or uninterrupted.
4. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR RELIANCE DAMAGES, OR ANY LOSS ARISING FROM YOUR USE OF, OR RELIANCE ON, THE SERVICE OR ITS RESULTS. The Service is provided free of charge.
5. No advisory relationship
Using the Service creates no financial, investment, tax, legal, advisory, or fiduciary relationship between you and us.
6. Acceptable use
The Service is for your personal, non-commercial use. You may not scrape, reverse-engineer, resell, or abuse the Service or attempt to disrupt it.
7. Calculator inputs
We do not collect or store the figures you enter in the calculator on any server. They stay in your browser on your device. See our Privacy Policy.
8. Intellectual property
The Service, its code, design, and branding are owned by us. These Terms grant you no rights in them beyond using the Service.
9. Governing law
These Terms are governed by the laws of the State of North Carolina, USA, without regard to its conflict-of-laws rules. Any dispute will be brought exclusively in the state or federal courts located in North Carolina.
10. Changes
We may update these Terms; the “Last updated” date will change and continued use means you accept the revised Terms.
11. Contact
Questions: use the contact form or email .