Disclaimer
Not Financial Advice
Am I On Track To Retire (“the Service”) provides educational tools and general information about retirement planning. The Service does not provide financial, investment, tax, or legal advice. The content, tools, projections, and calculations available through the Service are for informational and illustrative purposes only and should not be relied upon as a substitute for professional financial advice.
No Professional Relationship
Use of the Service does not create a fiduciary, advisory, client-professional, or any other professional relationship between you and Am I On Track To Retire, its creators, contributors, or affiliates. We are not registered investment advisors, financial planners, tax advisors, or attorneys.
Projections and Calculations
The retirement projections, Monte Carlo simulations, Social Security estimates, tax calculations, and other outputs generated by the Service are based on assumptions, historical data, and user-provided inputs. These projections are hypothetical in nature and do not guarantee future results. Actual outcomes may differ materially from projections due to changes in market conditions, tax laws, government programs, personal circumstances, or other factors.
Past performance of investments or historical trends does not guarantee or predict future results. All investments carry risk, including the potential loss of principal.
Social Security Estimates
Social Security benefit estimates provided by the Service are approximations based on publicly available formulas published by the Social Security Administration. These estimates may differ from actual benefits due to changes in legislation, cost-of-living adjustments, earnings history accuracy, or other factors. For official estimates, visit ssa.gov.
Tax Information
Tax-related information and calculations provided by the Service are general in nature and based on current federal tax law at the time of publication. Tax laws are complex and subject to change. State and local tax implications are not fully addressed. Consult a qualified tax professional for advice specific to your situation.
Healthcare Cost Estimates
Healthcare cost projections are estimates based on publicly available data and general assumptions about healthcare inflation. Actual costs will vary based on your health, location, coverage choices, and changes to healthcare policy and programs including Medicare and the Affordable Care Act.
Consult Qualified Professionals
Before making any financial decisions — including decisions about investments, retirement timing, Social Security claiming, tax strategies, insurance, or estate planning — consult a qualified financial advisor, tax professional, attorney, or other appropriate professional who can evaluate your specific circumstances.
Limitation of Liability
Am I On Track To Retire, its creators, contributors, and affiliates shall not be held liable for any losses, damages, or adverse outcomes that may result from using the Service or relying on its content, tools, or projections. You use the Service entirely at your own risk.
Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information, tools, or projections provided. Any reliance you place on such information is strictly at your own risk.
Educational Content
Articles, guides, and other educational content published on this site are for general informational purposes. They reflect the understanding of the authors at the time of publication and may not reflect the most current laws, regulations, or best practices. Educational content should not be construed as personalized financial advice.
Last updated: April 2026