Last updated: June 25, 2025
Please read this disclaimer carefully before using the Roth IRA Calculator website located at rothiracalculator.netlify.app (the "Site") or any of its content.
1. Not Financial Advice
The information provided on this Site, including but not limited to the Roth IRA Calculator, blog articles, guides, and all other content, is provided for general informational and educational purposes only. It does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.
Nothing on this Site should be interpreted as a recommendation to buy or sell any financial product, security, or investment. You should not rely on any content on this Site as a substitute for professional financial, tax, or legal counsel.
2. Calculator Limitations
The Roth IRA Calculator uses mathematical projections based on inputs you provide and assumptions about future investment returns. Please be aware of the following limitations:
- Hypothetical results: All calculations are hypothetical and based on assumptions. Actual results will differ.
- No guaranteed returns: Investment returns are never guaranteed. Past market performance does not guarantee future results.
- No inflation adjustment: The calculator does not adjust for inflation. Actual purchasing power of future dollars will be lower.
- Tax changes: Tax laws, IRS rules, and contribution limits change frequently. Always verify current limits with the IRS or a tax professional.
- Simplified model: The calculator uses a simplified compound interest formula and does not account for market volatility, fees, taxes on conversions, or other real-world factors.
3. Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information on this Site. Any reliance you place on such information is strictly at your own risk.
IRS rules, contribution limits, income thresholds, and tax laws are subject to change. Always verify current information directly with the IRS at irs.gov or consult a qualified tax professional.
4. Professional Consultation
Before making any financial, investment, or tax decision, we strongly recommend that you:
- Consult with a licensed financial advisor or planner (CFP, RIA)
- Speak with a qualified tax professional (CPA or enrolled agent)
- Review official IRS publications regarding IRA rules and limits
- Consider your complete financial situation, risk tolerance, and long-term goals
5. Third-Party Links and Resources
This Site may contain links to third-party websites. These links are provided for convenience only. We have no control over third-party sites and accept no responsibility for their content, accuracy, or practices. The inclusion of links does not imply endorsement of the sites or their content.
6. Limitation of Liability
To the fullest extent permitted by law, Roth IRA Calculator and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of, or inability to use, the Site or calculator
- Any errors or omissions in the content
- Any financial decisions made based on information from this Site
- Unauthorized access to or use of our servers or any personal information stored therein
7. No Endorsements
References to specific financial institutions, brokerages, funds, or investment products on this Site are for educational illustration only and do not constitute endorsements or recommendations.
8. Changes to This Disclaimer
We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting. Your continued use of the Site constitutes acceptance of the updated disclaimer.
9. Contact
If you have questions about this disclaimer, please contact us at:
Email: legal@rothiracalculator.com