Revision: February 5, 2026
By accessing Retirement Lab, you agree to these terms. This tool is designed for educational purposes, providing stochastic modeling to help visualize potential financial outcomes.
While we strive for mathematical precision, Retirement Lab is provided 'as-is'. We do not warrant that the simulation results will be accurate, complete, or reliable. Market volatility is inherently unpredictable, and past performance is no guarantee of future results.
The developers and contributors of Retirement Lab shall not be liable for any financial losses, damages, or decisions made based on the output of this simulator. This is a calculation tool, not a crystal ball.
This tool is intended for personal, non-commercial use. You agree not to use this service for any unlawful purpose or to interfere with the secure operation of our backend infrastructure.
The simulation engine, proprietary algorithms, and user interface are the intellectual property of Retirement Lab. Commercial redistribution, 'white-labeling', or any attempt to reverse-engineer the backend logic is strictly prohibited.
We claim no ownership over the financial scenarios you create. Your data is processed in real-time and is not stored on our servers. You remain the sole owner of your financial identity.
We reserve the right to modify these terms as our technology evolves. Continued use of the simulator after updates constitutes acceptance of the revised terms.
These terms are governed by applicable digital service laws and standard international intellectual property conventions.