Terms of Use
By using FIRE Retirement Planning you agree to these terms. They are deliberately written in plain language so there are no surprises ??? the short version is: use the tools honestly, remember they are estimates, and understand what this site can and cannot do.
The service
FIRE Retirement Planning is an educational website offering portfolio tracking, retirement and FIRE calculators, an AI-powered assistant and an advisor directory. Most of the site is free to use, with an optional Premium tier that unlocks additional features. We may add, change or retire features over time, and this document is updated accordingly.
Educational purpose
The tools and content on this site exist to help you learn and plan. Nothing here is personalized financial, investment, legal or tax advice. Calculators turn your assumptions into estimates so you can understand a plan — they are not recommendations, and the AI assistant is not a licensed advisor.
Acceptable use
Please use the service as intended:
- Do not abuse the APIs or endpoints — no automated scraping, flooding, or anything that threatens the stability or security of the service.
- Do not attempt to access another user's data or private information.
- Do not misrepresent advisor listings, credentials or your relationship to the site.
- Do not use the tools to build competing products that copy the service wholesale.
No guarantees
All outputs are estimates and scenarios, not promises:
- Calculator results depend entirely on the assumptions you enter and can change with the input.
- Monte Carlo results describe simulated outcomes across random return sequences — not predictions.
- AI output can contain errors. Verify anything important before acting on it.
Advisor directory
Advisors listed in the directory are independent professionals. A listing — including any "Verified" badge — is not an endorsement, and the site is not responsible for the advice or conduct of listed advisors. Verify credentials and regulatory standing yourself before working with anyone.
Accounts and data
You are responsible for keeping your password and recovery code safe. Your portfolio is encrypted before it reaches the server, and without your password or recovery code it cannot be decrypted by anyone. If you lose both, the data cannot be recovered — keep your recovery code somewhere safe and offline.
If you share your plan and report with an advisor, that share is end-to-end encrypted whenever your advisor has enabled encryption, so only they can read it. Until an advisor has enabled it, a share is stored in readable form and protected by database permissions; the app tells you which mode applies when you share.
Premium plan
Premium is an optional paid tier that unlocks additional capabilities on the site, including the FIRE Advisor chat, unlimited Monte Carlo simulations beyond the free tier limit, additional withdrawal strategies and historical bear-market scenarios in the sequence-of-returns tool, and stochastic bucket-strategy stress tests. Premium never changes the nature of the outputs — every calculator result on the site, free or paid, remains an estimate based on the assumptions you enter.
- Premium is billed as a recurring subscription unless stated otherwise at the point of purchase. Payment details are processed by the payment provider shown at checkout; the site does not store your card details.
- You can cancel at any time. Access to Premium features continues until the end of the period you have paid for.
- If you believe you were charged in error, contact us within 14 days and we will review the charge — see the Contact section below.
- If we retire or change a Premium feature, we will reflect that on this page and phase it out as described there. Downgrades to the free tier simply restore the standard limits described above.
Limitation of liability
To the maximum extent permitted by law, FIRE Retirement Planning is not liable for any loss arising from the use of, or reliance on, the site, its calculators or its AI output. Financial decisions are yours alone, and no estimate or scenario on this site is a guarantee of outcomes.
Changes to these terms
We may revise these terms as the service evolves. Material changes will be reflected on this page, and continued use of the site after a change means you accept the updated terms.
Last updated: October 2026.
Contact
Questions about these terms? Email fireretirementplanning@gmail.com.
Frequently Asked Questions
Is this a legal advice document?
No. These terms are a plain-language description of how the service works and what you agree to when you use it. They are not legal advice, and they do not replace the legal or regulatory requirements that may apply in your country.
Can I rely on the calculator results?
No — treat every result as an estimate. Calculators run on the assumptions you enter, Monte Carlo simulations are scenarios, and projections are not promises. Always double-check important figures before acting on them.
What happens if I lose my recovery code?
If you lose both your password and your recovery code, your encrypted portfolio cannot be recovered — by you or by us. That is the deliberate trade-off of end-to-end encryption. Store your recovery code somewhere safe and offline.
Can I use the tools for commercial purposes?
You may use the tools for your own planning and for educational purposes. Using the service in ways that abuse our endpoints, scrape private data or misrepresent the service is not allowed — please review the acceptable use section above.
What does Premium include?
Premium is an optional paid tier that unlocks additional features such as the FIRE Advisor chat, more Monte Carlo simulations, extra withdrawal strategies and historical scenarios in the sequence-of-returns tool, and stochastic bucket-strategy stress tests. Premium outputs are still estimates based on your assumptions — paying never turns scenarios into guarantees.
How do I contact you about these terms?
Email fireretirementplanning@gmail.com with the subject "Terms of use" and we will get back to you.