These Terms of Service ("Terms") govern your use of rothiracalculator.wiki and the Roth IRA Calculator homepage. By visiting the site or using the calculator, you agree to these Terms. If you do not agree, do not use the site.
1. Service description
Roth IRA Calculator provides a browser-based planning tool and explanatory content. The homepage may include contribution-limit estimates, growth projections, inflation adjustments, annual tables, a simplified taxable-account comparison and links to external resources.
The calculator is an educational scenario tool. It is not an IRS worksheet, tax filing service, investment advisory service, brokerage service or legal advice. We may change, pause or remove features as the site evolves.
2. Estimates and personal decisions
The displayed contribution amount uses simplified, versioned assumptions for the selected tax year. The growth projection assumes a constant return, inflation rate and contribution schedule. Actual eligibility, taxes, investment performance, fees, market losses and purchasing power can differ substantially.
You are responsible for verifying current IRS rules and your own circumstances before contributing, changing an account or making an investment decision. Consult a qualified tax or financial professional when appropriate.
3. Acceptable use
- Use the site only for lawful, honest and personal or professional planning purposes.
- Do not attempt to disrupt, overload, attack, scrape aggressively or interfere with the site or other visitors.
- Do not submit passwords, brokerage credentials, Social Security numbers or confidential documents to fields that do not require them.
- Do not inject malicious scripts, bypass security controls or use the site in a way that harms availability or security.
- Do not misrepresent Roth IRA Calculator as affiliated with the IRS, a brokerage, a financial institution or another third party.
4. Browser processing and availability
The normal calculator workflow is designed to run in your browser and does not require an account or server-side calculation job. Browser behavior depends on your device, browser version, extensions, available memory and network environment.
The site is provided on an as-available basis. We do not guarantee uninterrupted access, error-free calculations, compatibility with every browser, permanent retention of page state or that any estimate will satisfy a particular purpose.
5. External resources
The site may link to official IRS pages, documentation, policy pages or other third-party resources. We do not control their content, availability, security, privacy practices or accuracy. A link is provided for convenience and does not create an endorsement or professional relationship.
6. Intellectual property
The Roth IRA Calculator site text, layout, interface organization, branding and code are owned by Roth IRA Calculator or used with permission unless otherwise stated. You may not copy, resell, frame or present the site in a way that suggests a false affiliation.
The planning values and decisions you enter remain yours. Your use of an estimate does not transfer ownership of your personal information or create a promise about any financial outcome.
7. Disclaimers and limitation of liability
To the maximum extent permitted by law, the site and its estimates are provided "as is" and "as available" without warranties of any kind. We do not warrant that the rules are current for every circumstance, that the formulas capture every IRS detail, or that the projection predicts actual investment performance.
To the maximum extent permitted by law, Roth IRA Calculator and its operators are not liable for indirect, incidental, consequential, special, exemplary or punitive damages arising from use of or inability to use the site, including losses connected with financial decisions, data, profits or business interruption. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
8. Changes and contact
We may update these Terms by changing the content and effective date on this page. Continued use of the site after an update means the revised Terms apply to future use.
Questions about these Terms can be sent to [email protected].