Last updated: July 5, 2026
ChooseFIRE provides calculators, explanations, and scenario models for general planning and educational use. It does not provide personalized financial, investment, tax, legal, accounting, insurance, or retirement advice.
Using ChooseFIRE does not create an advisor-client, fiduciary, attorney-client, accountant-client, or other professional relationship. You should consult qualified professionals before making major financial, tax, legal, or retirement decisions.
Outputs depend on the assumptions and data you enter. Simplified models cannot capture every future market, tax, inflation, healthcare, family, employment, currency, housing, or policy change. Results are estimates, not forecasts or guarantees.
Investing involves risk, including loss of principal. Past performance does not guarantee future returns. Safe withdrawal rates, expected returns, inflation assumptions, and asset allocation examples are hypothetical and may not fit your circumstances.
Financial rules, taxes, public benefits, healthcare systems, currencies, account types, and retirement norms vary by country and region. Regional presets are starting points and should be adjusted to your actual situation.
You are responsible for checking inputs, assumptions, and outputs before relying on them. Any decision to save, spend, invest, retire, relocate, change employment, or adjust insurance remains your responsibility.
We work to keep the product useful and understandable, but we do not guarantee that calculations, explanations, content, integrations, or data are complete, current, accurate, uninterrupted, or error-free.
External links and referenced third-party resources are provided for convenience. We do not control or endorse third-party content and are not responsible for losses or decisions arising from it.
References to safe withdrawal rates, the 4% rule, asset longevity, or passive income are simplified planning shortcuts. They are not guarantees that a portfolio will last for a particular number of years, and they may not reflect fees, taxes, sequence-of-returns risk, future inflation, healthcare costs, or changes in family needs.
Any asset allocation view, expected return, or portfolio example is illustrative. ChooseFIRE does not recommend a specific security, fund, account type, broker, allocation, or trading strategy. You should evaluate liquidity, concentration, fees, taxes, currency exposure, and downside risk before making changes.
Saved plans and account sync are convenience features. They should not be treated as official accounting records, tax records, investment statements, retirement plan documents, or a complete history of your financial position. Keep independent records for decisions that matter.
Inputs, assumptions, exchange rates, policies, market conditions, and personal circumstances can change quickly. Results may become outdated immediately after they are generated. Service interruptions, software bugs, browser behavior, or synchronization conflicts may also affect saved data or displayed results.
Before making major decisions such as retiring early, changing employment, selling property, changing tax residence, taking on leverage, reallocating investments, or reducing insurance, consider getting advice from qualified professionals who understand your full situation and local rules.
We may update this Disclaimer as ChooseFIRE changes or as assumptions, product behavior, or legal requirements evolve. The latest version will be posted on this page with an updated date. For questions about this Disclaimer, use the contact channel published by ChooseFIRE.
Β© 2026 ChooseFIRE. All Rights Reserved
Free Financial Planning Tool