Terms of Use

What this tool is

RetirementScenario.com provides a retirement planning calculator and scenario modeling tool for educational and informational purposes. It is designed to help you think through retirement decisions — not to replace professional financial advice.

Not financial advice

All projections, estimates, scenarios, and outputs generated by this tool are hypothetical and based solely on the inputs you provide. They do not account for all real-world variables. Past performance of markets does not guarantee future results. We make no representation that any projection will be achieved.

No guarantee of accuracy

We work hard to make the calculations accurate, but we make no warranty that the tool is free from errors. Tax laws change. Social Security rules change. Economic conditions change. You are responsible for verifying any figures that inform real decisions.

Feature changes

Features available on RetirementScenario.com may be added, modified, removed, or improved over time as the product evolves. Features in your tier of access at time of purchase will continue to be available; new features added in the future may be made available to existing users at our discretion. We will not retroactively remove core features that you paid to access.

Your responsibility

By using this tool, you agree that: (a) you are using it for personal, informational purposes only; (b) you will not rely solely on its output for major financial decisions; (c) you will consult a licensed CFP, CPA, or other qualified professional for advice specific to your situation.

Navigator, Advisor Plus, and Advisor 365 purchases

Navigator is a one-time $79 purchase that includes 25 deep AI analyses, 50 AI Advisor conversations, and ongoing access to all paid features. There is no subscription and no recurring charge. All features available at time of purchase, plus future feature additions, are included.

Advisor Plus is an optional $29 add-on that adds 10 deep analyses and 25 AI Advisor conversations to your existing Navigator account. It stacks with any unused quota you have, and never expires.

Advisor 365 is a separate, optional one-time $79 purchase that extends AI Advisor access to unrestricted use for 365 days. It does not auto-renew. After 365 days you may choose to repurchase or revert to your standard Navigator usage limits. There is no automatic billing under any circumstance. See "AI Advisor fair use" below for the background bounds that protect the service against abuse.

We do not offer refunds after purchase, but if you have a problem, reach us via the contact form and we'll make it right.

AI Advisor fair use

The AI Advisor includes both per-tier conversation limits and per-session exchange limits. Each new conversation starts with fresh context. Free users get 3 conversations of up to 5 exchanges each (15 messages total). Navigator users get 50 conversations of up to 10 exchanges each (500 messages total). Advisor Plus purchases ($29 each) add 10 deep analyses and 25 conversations and stack indefinitely with no expiration.

Advisor 365 ($79 / 365 days) provides unrestricted AI Advisor use for the year. "Unrestricted" means your normal usage is not metered — you do not need to track or limit your message count, and you will not encounter upgrade prompts during use. The system includes fair-use bounds (per-conversation exchange caps, conversation context resets, per-IP rate limits, output length caps, and system-wide cost alerts) that run in the background to prevent abusive automated patterns; these bounds will not be encountered by normal use. We reserve the right to contact subscribers whose usage patterns suggest abuse and, in extreme cases, restrict access for accounts engaged in clearly abusive behavior. We will reach out before acting.

These limits exist to manage operating costs and ensure response quality, not to restrict legitimate use; if you have a problem, reach us via the contact form.

Intellectual property

The tool, its code, design, and content are owned by RetirementScenario.com. You may use it for personal planning purposes. You may not copy, reproduce, or redistribute the tool or its source code.

Limitation of liability

To the maximum extent permitted by law, RetirementScenario.com is not liable for any financial loss, decision, or outcome arising from use of this tool. Your use of the tool is at your own risk.

Governing law

These terms are governed by the laws of the State of Indiana, without regard to conflict-of-law principles. Any disputes arising from these terms will be resolved in the state or federal courts located in Indiana.

Changes to these terms

We may update these terms from time to time. Continued use of the tool after changes constitutes acceptance of the updated terms.

Contact

Questions about these terms? Use the contact form.