Terms of Use

Free, and as is. The planner is free to use and is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement.

No advice and no relationship. Using the planner does not make anyone a client of the designer or create an advisory, fiduciary or other professional relationship. Nothing in it is a recommendation to buy, sell or hold any security, fund, annuity or insurance product.

Limitation of liability. To the fullest extent the law allows, the designer and everyone who helped build the planner are not liable for any loss or damage of any kind, whether direct, indirect, incidental, special or consequential, that arises from using it or from relying on its results, even if told that such loss was possible. Where the law does not allow a limit, it applies as far as the law does allow.

Your responsibility. You use the planner at your own risk and remain responsible for your own decisions. Check each figure against its source, and with a qualified professional, before you act on it. A financial professional who uses it with clients is responsible for their own advice, for reviewing every report and for their own regulatory obligations.

Changes. The planner and these terms may change, or the planner may be withdrawn, at any time and without notice. By using it you accept these terms; if you do not accept them, please do not use it.

Important Information

This planner is for educational purposes only. It is not financial, tax, legal or investment advice, and it does not replace advice from a qualified professional who knows your full situation.

Every result is an estimate from a model, not a prediction or a guarantee. Actual returns, inflation, taxes, laws, health and lifespans will differ, and a "chance of running out" is a measure produced by the model, not a probability that applies to any one person.

Tax rules are simplified and held at the yearly figures in use. Social Security, Medicare and other benefit rules can change. Check each rule at its source before you act on it.

Review the plan at least once a year, and whenever your situation, the markets or the law change.

Trademarks and Credits

Independent. PurpleTeam Financial Planner is an independent, non-commercial project. It is not affiliated with, sponsored by or endorsed by any company, fund, index provider, government agency or other planning software named in it.

Names used only to identify. Names of products, funds, indexes, strategies and organizations appear only to say which published method, data source or portfolio mix is meant. Permanent Portfolio® is a registered trademark of Pacific Heights. S&P 500® is a registered trademark of Standard & Poor's Financial Services LLC. FAFSA® is a registered trademark of the U.S. Department of Education. Bogleheads is a trademark of The John C. Bogle Center for Financial Literacy. Shiller Barclays CAPE® index names are trademarks of Barclays Bank PLC; the planner uses the CAPE ratio from Robert Shiller's published data and has no connection with those indices. Vanguard, Fidelity, Schwab and College Board are trademarks of their owners, and Claude is a trademark of Anthropic. All other names belong to their owners.

Data and fonts. Tax, benefit, health and life-table figures come from US government publications such as those of the IRS, the Social Security Administration, CMS and the National Center for Health Statistics. Market history comes from Robert Shiller's published data, gold prices from the World Bank's commodity prices as republished on datahub.io, and the portfolio records from Portfolio Charts. Each table on the Actual Data tab names its source. The page uses your device's own fonts, its system interface font and its monospace font, so it downloads none.

Own work. The code was written for this planner; no code, text or design was copied from other planning software, and each strategy follows its published description, with the source named beside it. If you believe something here infringes your rights, please tell the designer, and it will be reviewed and corrected promptly.