Terms of Use

By using retirement.nowcalculator.net (the "Site") you agree to these terms. If you do not agree, please do not use the Site.

1. What the Site provides

The Site offers free, browser-based retirement and planning calculators — including retirement savings, 401(k), IRA, Roth IRA, pension, annuity, RMD and Social Security calculators — along with related educational content about planning for retirement. All calculations are performed within your browser; the figures you enter are not transmitted to or stored on our servers.

2. Not financial advice

The Site provides tools and general information for educational purposes only. It does not provide financial, investment, tax, or retirement advice, and no advisory relationship is created by using it. All investing carries risk, and past performance does not guarantee future results. Contribution limits, tax rules, RMD factors and Social Security formulas change over time and vary by individual. The Social Security figure is a rough estimate — get your official number at ssa.gov. Always consult a licensed financial professional before making retirement decisions.

3. Accuracy and limitations

Our calculators use standard formulas and reasonable assumptions, but results are estimates. They may not reflect fees, taxes, inflation, market movements, or your individual circumstances, and the Social Security estimate is a simplified approximation. Tax and retirement figures shown reflect 2026 US rules and change over time; verify current details with official sources. Use all results at your own discretion.

4. Acceptable use

You may use our calculators freely for personal and commercial purposes. You may not copy, scrape, republish, or resell our written content or calculator code without permission.

5. Third-party links

The Site links to external websites, such as banks, scholarship programs and credit bureaus, for your convenience. We do not control and are not responsible for their content, offers, or practices.

6. Availability

We may change, add, or remove calculators and content at any time, and the Site may occasionally be unavailable for maintenance.

7. Limitation of liability

To the fullest extent permitted by law, NowCalculator is not liable for any loss or damage arising from your use of, or reliance on, this Site or any third party it links to.

8. Changes

We may update these terms from time to time. Continued use of the Site means you accept the current version.

9. Contact

Questions can be sent through our Contact page or to support@nowcalculator.net.