Effective September 17, 2026
Use of the calculator
You may use the site for personal, lawful planning. You are responsible for the accuracy of the numbers you enter and for deciding whether any result is appropriate for your situation.
No promise or recommendation
The calculator tests past market conditions. Past results cannot predict future markets, inflation, taxes, healthcare costs, longevity or account rules. A displayed amount is a question to investigate, not permission or an instruction to spend, withdraw or change investments.
Professional review
Before acting, consider asking qualified financial, tax, legal and insurance professionals to review your accounts, withdrawal rules, taxes, healthcare needs and other facts the calculator cannot know.
Availability and accuracy
The site is provided as available without a guarantee that it will always be uninterrupted, error-free or suitable for a particular purpose. We may correct, change or discontinue features and assumptions.
Third-party sources and links
Historical datasets and external tools belong to their respective providers. Links are offered for context and do not imply endorsement or control of those services.
Products and sponsorships
Products and services are ideas to explore, not financial recommendations. Prices are snapshots; the seller sets final pricing, tax, delivery, availability and subscription terms. Paid placements are labeled at the placement. A sponsorship never changes the calculation, and sponsors do not receive individual calculator submissions. Any commission arrangement will be disclosed alongside the relevant link. SpendIt is not the seller and does not guarantee third-party products or services.
Research and privacy
Optional calculator research is described in our Privacy policy and the notice beside the calculator. It is not a condition of using the tool. These terms do not replace any notice or consent required by law.
Acceptable use
Do not misuse the site, interfere with its operation, attempt unauthorized access or present its estimates as personalized professional advice to someone else.
Changes and contact
Material changes will be posted on this page with a new effective date. Questions may be sent to hello@spendit.lol.