Terms & Conditions

Acceptance of Terms

By accessing or using FIRE Planner Pro ("the Service"), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use the Service.

About the Service

FIRE Planner Pro is a free collection of interactive financial planning calculators designed to help users explore retirement planning, investing, savings, debt reduction, insurance needs, and other personal finance scenarios. Our calculators are intended for educational and informational purposes only. They help users model hypothetical financial situations using assumptions and user-provided inputs, but they do not replace professional financial, tax, legal, or investment advice. Unless explicitly stated otherwise, all calculations are performed locally in your browser without server-side processing.

Not Financial Advice

FIRE Planner Pro does not provide financial, investment, tax, or legal advice. The calculators and tools on this site are for informational and educational purposes only. You should not rely on the output of any calculator as a substitute for advice from a qualified financial advisor, CPA, or attorney.

Past performance and projected returns shown by our calculators are hypothetical and do not guarantee future results. All projections involve assumptions and estimates that may not reflect actual market conditions.

Calculator Accuracy

While we strive for accuracy in our financial models and formulas, calculators may contain errors or use simplified assumptions. Results should be used as estimates and starting points for further research, not as definitive financial plans.

Specific limitations include:

• Tax calculations are simplified estimates and may not reflect your actual tax situation
• Inflation rates, market returns, and other assumptions are based on historical averages that may not persist
• Monte Carlo simulations involve randomness and may produce different results on each run
• Regional and individual circumstances may significantly affect actual outcomes

Limitation of Liability

To the fullest extent permitted by law, FIRE Planner Pro and its creators shall not be held liable for any decisions made or actions taken based on the information provided by our calculators. You are solely responsible for your own financial decisions.

The Service is provided "as is" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Intellectual Property

All content, design, code, and branding on FIRE Planner Pro are the intellectual property of FIRE Planner Pro. You may not reproduce, distribute, or create derivative works from the content on this site without written permission.

Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the Service after changes constitutes acceptance of the updated terms.

Use of the Service

FIRE Planner Pro is provided free of charge for personal and educational use. You may use our calculators to model financial scenarios and retirement plans.

You agree not to:

• Use the Service for unlawful or fraudulent purposes
• Attempt to copy, scrape, reverse engineer, or redistribute the Service without permission
• Interfere with or disrupt the availability or security of the Service

Third-Party Links

FIRE Planner Pro may contain links to third-party websites for additional educational resources or reference materials. We are not responsible for the content, privacy practices, or availability of those websites.

Contact Us

If you have questions about these terms, please reach out via our Contact page.