Terms and Conditions
Welcome to Coast FIRE Calculator. By accessing or using this website, you agree to the following terms. Please read them before using any part of this site.
1. Acceptance of Terms
By visiting or using this website, you confirm that you have read, understood, and agreed to these Terms and Conditions. If you do not agree, please do not use this site.
2. About This Website
Coast FIRE Calculator is an informational website that provides a free retirement planning tool. The calculator is designed to help users estimate their Coast FIRE number based on inputs they provide. All results are estimates only.
3. No Financial Advice
The content on this website, including the calculator results, articles, and any other material, is for educational and informational purposes only. Nothing on this website should be taken as financial, investment, legal, or tax advice.
We are not licensed financial advisors. The calculator outputs are based on mathematical formulas and assumptions. They do not account for your full financial situation, tax obligations, or personal circumstances.
Before making any financial decision, we strongly recommend consulting a qualified, fee-only Certified Financial Planner or a registered investment advisor.
4. Calculator Accuracy
We built this calculator using widely accepted formulas, including the compound interest formula and the 4% safe withdrawal rate from the Trinity Study (Cooley, Hubbard and Walz, 1998). We have made every effort to keep the math accurate.
However, we make no guarantee that the results are error-free or suitable for your specific situation. Investment returns vary. Inflation changes. Tax laws shift. Your actual retirement outcome will depend on many factors outside this calculator.
Use the results as a starting point, not a final plan.
5. Intellectual Property
All content on this website, including text, calculator code, graphics, and layout, is owned by Coast FIRE Calculator unless otherwise stated. You may not copy, reproduce, distribute, or republish any part of this website without written permission.
You are welcome to share links to this website. You may quote short excerpts with proper credit and a link back to the original page.
However, we make no guarantee that the results are error-free or suitable for your specific situation. Investment returns vary. Inflation changes. Tax laws shift. Your actual retirement outcome will depend on many factors outside this calculator.
Use the results as a starting point, not a final plan.
6. User Conduct
When using this website, you agree not to:
- Use the site for any unlawful purpose
- Attempt to access any part of the site you are not authorized to access
- Transmit harmful, offensive, or misleading content through the contact form
- Interfere with the performance or security of the website
7. Third-Party Links
This website may include links to external websites for reference purposes. These links do not constitute an endorsement of those sites. We are not responsible for the content, accuracy, or privacy practices of any third-party website.
For more information about how third-party services may collect and use data, please see our Privacy Policy.
8. Advertising
This website may display third-party advertisements. We do not control the content of these ads and are not responsible for any products, services, or claims made by advertisers. Clicking on an ad takes you to a third-party website governed by their own terms.
9. Disclaimer of Warranties
This website is provided on an as-is basis. We make no warranties, expressed or implied, regarding the accuracy, reliability, or availability of the site or its content. We do not guarantee that the website will be uninterrupted or free from errors.
10. Limitation of Liability
To the fullest extent permitted by law, Coast FIRE Calculator and its owner shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of this website or reliance on its content.
This includes but is not limited to financial losses resulting from decisions made based on calculator outputs.
11. Changes to These Terms
We may update these Terms and Conditions at any time. Changes take effect as soon as they are posted on this page. The effective date at the top of this page will reflect the most recent update. Continued use of the website after changes are posted means you accept the updated terms.
12. Governing Law
These terms are governed by applicable law. Any disputes arising from your use of this website will be handled in accordance with the laws of the jurisdiction in which this website operates.
13. Contact Us
If you have any questions about these Terms and Conditions, you can contact us at:
Email: freecoastfirecalculator@gmail.com
We aim to respond to all messages within a few business days.