Financial Disclaimer

You are solely responsible for all financial, investment, retirement, and tax decisions you make. This tool is designed to help you explore scenarios and understand tradeoffs, but it is not a substitute for professional advice. No output from this service — whether a projection, calculation, verdict, or AI-generated recommendation — should be treated as a directive to act. You must independently evaluate any information provided and make your own informed decisions.

While we make reasonable efforts to ensure the accuracy of our calculations, all outputs — including projections, tax estimates, Monte Carlo simulations, and AI-generated responses — may contain errors, inaccuracies, or omissions. This includes but is not limited to:

• Mathematical or rounding errors in projections
• Simplified tax calculations that do not capture your full tax situation
• AI-generated responses that may hallucinate numbers or provide incorrect analysis
• Outdated assumptions about tax brackets, contribution limits, or Social Security
• Assumptions about future returns, inflation, and spending that will differ from reality

Always verify critical outputs against your actual financial statements and consult with qualified professionals before making decisions.

The projections and simulations provided by this tool are based on mathematical models, historical data, and user-provided inputs. They involve numerous assumptions about future conditions including, but not limited to:

• Market returns and investment performance
• Inflation rates
• Tax rates and tax law changes
• Social Security benefits and eligibility
• Healthcare costs
• Life expectancy

Actual results will vary — potentially significantly — from any projection. Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal.

Tax calculations provided by the tool are simplified estimates and may not account for all deductions, credits, alternative minimum tax (AMT), state and local taxes, or recent changes to tax law. Do not use this tool as a substitute for professional tax preparation or advice. Always consult a qualified tax professional for your specific situation.

Before making any financial, investment, retirement, or tax decisions, you should consult with appropriate professionals including:

• A registered investment advisor (RIA) or certified financial planner (CFP)
• A certified public accountant (CPA) or tax advisor
• An estate planning attorney, where applicable

FinAI and its operators accept no liability for financial losses, missed opportunities, tax penalties, or any other damages resulting from decisions made based on information provided by this tool. Use of the Service is at your own risk.

For full terms, see our Terms of Service and Privacy Policy.

If you have questions about this disclaimer, contact us at support@finai.app.