1. Acceptance
By using MoneyLast Calculator (the “site”), you agree to these terms. If you don't agree, please don't use the site.
2. Educational use only — not financial advice
The site is an educational tool. Nothing on it is financial, investment, tax or legal advice, and no advisory relationship is created by using it. Results are estimates based entirely on the assumptions you enter. Actual investment performance and retirement outcomes may differ significantly.
3. Model limitations
The calculator uses a deterministic, straight-line model. It does not account for taxes, investment fees, market volatility, sequence-of-returns risk, required minimum distributions, healthcare costs, or changes in spending. Assumptions and sources are documented on the calculator page.
4. No warranty
The site and its calculations are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, reliability, fitness for a particular purpose, or non-infringement.
5. Limitation of liability
To the maximum extent permitted by law, the site's operators shall not be liable for any direct, indirect, incidental or consequential damages arising from use of, or reliance on, the site or its results. You are responsible for your own financial decisions.
6. Consult a professional
Retirement decisions involve significant risk. Consider your individual circumstances and consult a qualified financial professional before acting on any estimate produced here.
7. Changes
We may update the site or these terms at any time. Continued use after changes means you accept the updated terms.
8. Contact
Questions about these terms? Email support@howlongmymoneylasts.site.