Terms of Service
Last updated: October 2026
The following terms apply to myretirehub.com (the "Site"). Acceptance is implied by use, so if they are not acceptable to you, please stop using the Site.
MyRetireHub is a retirement and FIRE calculator: it estimates the savings needed to retire using the 4% rule, projecting contributions, investment return, inflation and Social Security, and tests an early-retirement plan. In practice, it compounds the balance forward year by year at the real return after inflation, adds your contributions and any benefit, and compares the result against a target drawn from the withdrawal rate — so the distance to the number is shown as a date rather than a guess. This page should be read with that tool in mind, because the limits described apply to what it computes.
In day-to-day use the tool works only from your age, savings, contributions and assumptions, and it is usually opened for things like checking how far away a target retirement number is. None of that reaches us, so none of it can be stored.
About this Site and its tools
The Site provides a retirement and FIRE calculator and explanatory material, free of charge, for general information and education. Results are estimates derived from the inputs you supply using the method described on the page. Financial results depend on assumptions about rates, contributions and taxes that will not hold exactly, and are illustrative rather than advice.
No advice relationship
Browsing or using myretirehub.com does not create a professional relationship, an advisory duty or any obligation on our part towards you.
Who owns what here
The design, text and code of the Site belong to us or are licensed to us, except where credited otherwise. You may link to any page. Reproducing substantial parts of the content requires written permission.
How the Site is funded
Advertising from third parties supports the Site, and external links may appear for reference. We are not responsible for what those third parties do. Ads never change a result.
Uptime and changes to the service
There is no uptime promise: tools and pages may be altered, suspended or withdrawn without notice, and the Site is offered as it stands.
Limits on our liability
To the fullest extent permitted by law we are not liable for indirect or consequential loss, or for any decision taken in reliance on a result from the Site.
Which law applies
These terms are governed by the laws applicable to the operator of the Site, without regard to conflict-of-law rules.
Financial disclaimer
The projections rest on assumptions — steady rates, unchanged contributions, and the ignoring of fees and inflation — that will not hold exactly. They are illustrations rather than advice and should not be the sole basis for a decision.
Accuracy of results
Correctness is a goal, not a warranty: results may contain errors and the content may lag changes in the field. Where the underlying method has a margin of error, read the output accordingly.
How you may use the Site
Use the Site freely for yourself or your work. What is not allowed: disrupting the service, scraping it hard enough to hurt performance for others, claiming it as your own, or any unlawful purpose.
Contact
Write to us via the contact page with any question about these terms, or email support@myretirehub.com.