Terms of Service
Last updated: September 15, 2026
Using this site
Retire By When provides free retirement calculators -- a 401(k) calculator, Roth and traditional IRA calculators, a retirement savings ("on track") calculator, a retirement withdrawal calculator, a required minimum distribution (RMD) calculator, a net worth calculator, and a budget calculator -- for educational and informational use. No account or sign-up is required, and there is no charge to use any page on this site.
Not financial, tax or legal advice
The calculations on this site use standard, published formulas and IRS-published figures, not original research or a substitute for advice from a licensed financial advisor, tax professional or attorney. Real accounts vary by plan rules, fees, taxes, market returns and individual circumstances, and every figure shown is an estimate from constant-rate, constant-contribution assumptions before tax and fees. Nothing on this site is a recommendation to buy, sell or hold any investment, choose one account type over another, or take any particular retirement-savings or withdrawal action. IRS contribution limits, catch-up amounts, RMD rules and the required minimum distribution table are stated as of this site's last update and may change -- always verify current figures against the IRS source linked on the relevant page before relying on them.
No affiliation
Retire By When is an independent site and is not affiliated with, endorsed by, or operated on behalf of any employer, retirement plan administrator, bank, brokerage, insurer, or the Internal Revenue Service or any other government agency.
No warranty
This site is provided "as is," without warranty of any kind, express or implied, including but not limited to accuracy, reliability, or fitness for a particular purpose. Use of any calculator or content on this site is at your own risk.
Limitation of liability
To the fullest extent permitted by law, Retire By When and its operator are not liable for any loss or damage arising from use of, or reliance on, this site or its content, including any retirement-savings, tax or withdrawal decisions made using its calculators.
Advertising
This site may display ads served by Google AdSense and other third-party advertising networks. See the Privacy Policy for details on how those networks use cookies and similar technologies.
Content
The text, design, and code on this site belong to Retire By When unless otherwise noted. You're welcome to link to any page here; please don't republish or scrape the content wholesale without permission.
Changes
These terms may be updated from time to time. Continued use of the site after a change means you accept the updated terms.
Contact
Questions about these terms? Reach out at hello@retirebywhen.com.