Financial planning disclosure
When Can I Retire? is an educational calculator, not a registered investment adviser, broker-dealer, tax adviser, financial planner, insurer, law firm, or fiduciary. Nothing on the site is an offer to buy or sell a security or financial product.
Projection limitations
Projections use simplified assumptions, including average rates of return and inflation. Real-world results vary and may be affected by market volatility, investment fees, taxes, account rules, healthcare expenses, sequence-of-returns risk, changes in government benefits, and unexpected income or spending. The calculator does not currently perform tax optimization or Monte Carlo probability analysis.
No guarantee
A displayed retirement age or sustainability estimate does not mean retirement will be possible or appropriate at that age. Results should be treated as a starting point for further evaluation, not as a guarantee or personalized recommendation.
Advertising and affiliate relationships
Current status: The site does not currently contain paid endorsements, sponsored recommendations, or affiliate links.
If the site later receives compensation for recommending or linking to a product or service, that relationship will be disclosed clearly near the relevant recommendation or link. A general disclosure on this page will not replace a disclosure where a user is likely to see the recommendation.
Compensation will not permit a sponsor or affiliate partner to control calculator results. Any endorsement must reflect an honest opinion and will be identified in plain language, such as: “We may earn a commission if you purchase through this link.”
Testimonials and examples
Any future testimonials or examples will not promise typical results. Hypothetical examples will be identified as such. Individual experiences do not guarantee that other users will receive the same outcome.
Questions or corrections
To report a possible calculation error, disclosure concern, or factual issue, email edgarespina@icloud.com. Please describe the issue without including sensitive financial or identifying information.