Terms of Service
Effective date: April 15, 2026
Retirement Modeler (retirement-modeler.com) is operated by Sideband Labs in Missouri, USA. By using the site, you agree to these Terms. If you do not agree, do not use the site.
1. Not financial advice
Retirement Modeler is an educational and illustrative tool. It is not financial, investment, tax, or legal advice. The calculator uses simplified assumptions and fixed rates of return. It does not account for taxes on withdrawals from retirement accounts, inflation variability, market sequence risk, or the many other factors a qualified advisor would consider. Actual results will vary.
Do not make financial decisions based solely on output from this site. Consult a qualified financial advisor, tax professional, or attorney before acting on anything you see here.
2. "AS IS"
The site is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and accuracy. We do not warrant that the calculator's output is correct, that the site will be uninterrupted, or that it will be free of errors.
3. Limitation of liability
To the maximum extent permitted by law, Sideband Labs is not liable for any indirect, incidental, consequential, special, or punitive damages — including loss of profits, savings, or data — arising out of or relating to your use of the site. Our total liability for all claims arising out of or relating to the site is limited to the amount you paid us in the 12 months preceding the claim, which for the free version of Retirement Modeler is zero dollars ($0.00).
4. Acceptable use
Do not use the site in a way that is unlawful, that attempts to disrupt or circumvent its operation, or that involves automated scraping at a rate intended to burden the service. We may block access that violates these rules.
5. Changes
We may change the site or these Terms at any time. If we make material changes to the Terms, we will update the effective date above. Your continued use after the effective date means you accept the updated Terms.
6. Governing law
These Terms are governed by the laws of the State of Missouri, USA. Any dispute arising out of or relating to these Terms or the site will be resolved exclusively in the state or federal courts located in Missouri, and you consent to jurisdiction and venue there.
7. Contact
Contact form · Sideband Labs, Missouri, USA