Official Disclaimer

Last Updated: December 2, 2025

The information and tools provided by **FIREarly.com** ("We," "Us," "Our") are for **educational, informational, and computational purposes only**.

By using the calculators and content on this website, you agree to the terms of this Disclaimer and acknowledge the inherent limitations of the Services.

🚫 No Financial or Professional Advice

FIREarly is **NOT** a licensed financial planner, investment advisor, broker, or tax consultant.

• NO PERSONALIZED ADVICE: The calculators and resulting data (including CAGR matrices, loan amortization schedules, and withdrawal projections) are **generic estimates** based solely on mathematical formulas and the general inputs you provide. They do not consider your personal financial situation, risk tolerance, tax status, or any specific investment needs.
• NOT A SUBSTITUTE: The content on this website is **not a substitute** for professional financial, tax, or legal advice. You must always consult with a qualified, licensed professional before making any financial decisions, investments, or legal commitments.
• NO ENDORSEMENT: We do not recommend or endorse any specific investment, strategy, or financial product.

🔢 Accuracy, Assumptions, and Risk

The reliability of financial calculators is entirely dependent on the underlying **assumptions** and **formulas**.

• HYPOTHETICAL RESULTS: All results are based on hypothetical assumptions, such as steady rates of return, consistent inflation, or static tax rates. Real-world market conditions are **dynamic, volatile, and often unpredictable**, meaning actual results will vary significantly from any projections.
• RISK WARNING: Investing involves inherent risk, including the possible loss of principal. Past performance, or results generated by these tools, is **not indicative of future results or guaranteed outcomes.**
• USER DATA RELIANCE: The accuracy of the calculator output is entirely reliant on the correctness and relevance of the data (e.g., initial investment, expected return rate, time horizon) that **you** input.

🔗 External Links Disclaimer

Our website may contain links to third-party websites or services. These links are provided for convenience and reference only.

• FIREarly has **no control** over, and assumes **no responsibility** for, the content, privacy policies, accuracy, or practices of any third-party sites or services.
• The inclusion of any link does not imply endorsement by FIREarly. Accessing any linked third-party website is done at your own risk.

⚖️ Limitation of Warranties and Liability

The Service is provided **"AS IS"** and **"AS AVAILABLE"**. FIREarly expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Under no circumstances shall FIREarly be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, the website or its tools, including any financial loss or wrong investment decision made in reliance on the calculator outputs.