Terms & Conditions

Please read these Terms and Conditions ("Terms") carefully before using rothiracalculators.com ("the Site", "the Service"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Service

The Site provides free, browser-based Roth IRA calculators and educational content about retirement contribution rules. No registration or payment is required, and you may use it for personal or professional purposes. You agree not to:

• use the Site for any unlawful purpose;
• scrape, reverse-engineer, or copy the Site for redistribution without permission;
• interfere with or disrupt the servers or networks that host the Site;
• misrepresent the Site's output as personalized professional advice.

2. Not financial, tax, or legal advice

The Site is an educational tool only. Nothing on it constitutes investment, tax, legal, or accounting advice, an offer or recommendation to buy or sell any security, or an endorsement of any strategy. The calculators cannot account for your complete financial situation. Before acting on anything you see here — contributions, conversions, backdoor Roth strategies, or otherwise — consult a qualified financial advisor, CPA, or tax attorney who knows your circumstances.

3. No advisor-client relationship

Your use of the Site does not create a fiduciary, advisory, or professional relationship of any kind between you and the Site's operators. We are not a registered investment advisor, broker-dealer, or tax preparer.

4. Accuracy of calculations and IRS figures

We work to keep the underlying IRS figures current — the Site presently reflects the 2026 contribution limits, income phase-out ranges, and catch-up rules. However, accuracy depends on factors outside our control:

• tax law and IRS guidance change, sometimes retroactively;
• projections are hypothetical illustrations driven entirely by the assumptions you enter (returns, contribution amounts, time horizons) — they are not predictions or guarantees of future performance;
• real-world results are affected by fees, taxes, market volatility, and personal circumstances the calculators do not model.

Do not rely on the Site as the sole basis for financial decisions. Verify current figures against official IRS publications and confirm any strategy with a qualified professional.

5. Intellectual property

The Site's design, code, text, and visual assets are owned by the Site operator and protected by copyright law. You may link to the Site freely; you may not reproduce or republish its content wholesale without prior written permission. The general concept of a retirement calculator is not claimed as proprietary — only our specific implementation and content are protected. IRS rules and figures are public information.

6. Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or that its calculations are correct for every situation.

7. Limitation of liability

To the fullest extent permitted by law, the operators of the Site shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including lost profits, lost savings, tax penalties, or investment losses — arising out of your use of, or reliance on, the Site or its calculations, even if advised of the possibility of such damages.

8. Third-party links and services

The Site links to third-party websites (such as IRS publications) for convenience only. We have no control over, and accept no responsibility for, third-party content, accuracy, or privacy practices.

9. Changes to these Terms

We may modify these Terms at any time. The "Last updated" date at the top of this page reflects the most recent revision, and your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

10. Contact

Questions about these Terms? Reach us through the Contact Us page.