Disclaimer

Last updated: September 21, 2026

1. Educational Purpose Only

Every calculator on this Site — Coast FIRE, FIRE, Retirement, Investment, and SWR / 4% Rule — is designed to help you understand general financial concepts like compound growth and safe withdrawal rates. They are simplified models, not financial planning software, and are not tailored to your complete financial situation.

2. Assumptions & Limitations

Our calculators rely on simplifying assumptions, including but not limited to:

• A constant, fixed annual rate of return (real markets are volatile and returns vary year to year)
• No adjustment for taxes, investment fees, or account-specific rules
• A fixed Safe Withdrawal Rate (commonly 4%), based on historical U.S. market research that may not apply to your circumstances or country
• No modeling of inflation beyond what you manually account for in your inputs

Because of these simplifications, actual results will differ — sometimes significantly — from what any calculator projects.

3. Not a Substitute for Professional Advice

Before making any financial decision — including investing, retiring early, or changing your savings strategy — please consult a licensed, qualified financial advisor, accountant, or other professional who can review your complete financial picture.

4. No Liability

CoastFIRE.org and its operators accept no responsibility or liability for any loss or damage arising from decisions made based on information or calculations provided by this Site.

5. Questions

If you have questions about this disclaimer, contact us at ssrichandan.business@gmail.com.