Terms of Use

Please read these Terms of Use (“Terms”) carefully before using sscalculator.org (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Nature of the Tools

The calculators on this Site — including the Social Security Benefits Calculator and the RMD Calculator — are provided for educational and informational purposes only. They produce estimates based on publicly available government formulas (SSA benefit formulas, IRS life expectancy tables, and related rules) and the inputs you provide.

These estimates are not financial advice, investment advice, tax advice, or legal advice, and they should not be treated as such. Your actual Social Security benefit, required minimum distribution, or tax liability will depend on your complete personal and financial circumstances, which these tools cannot fully capture.

2. No Professional Relationship

Use of this Site does not create a client relationship, fiduciary relationship, or any other professional relationship between you and the operators of this Site. We are not financial planners, tax professionals, attorneys, or registered investment advisors. For advice specific to your situation, consult a qualified professional.

3. Accuracy and Limitations

We make reasonable efforts to keep the calculators current with applicable rules and formula updates. However, we do not warrant that results are accurate, complete, or current. Government rules change, and there may be a lag between a rule change and an update to our tools.

The following are among the factors not modeled by these calculators:

• Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) for Social Security
• State income taxes on distributions or benefits
• Medicare premium surcharges (IRMAA)
• Inherited account rules or non-spouse beneficiary RMDs
• Future legislative changes to Social Security, RMD rules, or tax law
• Cost-of-living adjustments (COLA) beyond current year estimates

Always verify results with the official tools provided by the Social Security Administration (ssa.gov) and the Internal Revenue Service (irs.gov).

4. No Storage of Your Data

Inputs you enter into our calculators are used solely to compute and return a result. They are not stored, logged, or retained by us after the calculation completes. See our Privacy Policy for full details on how we handle data.

5. Permitted Use

You may use this Site for personal, non-commercial purposes. You agree not to:

• Scrape, crawl, or systematically download content from the Site
• Use automated tools to submit calculator inputs in bulk
• Attempt to reverse-engineer or copy the calculator logic for commercial use
• Use the Site in any way that violates applicable law or regulation
• Attempt to interfere with the Site’s security or operation

6. Intellectual Property

All content on this Site — including calculator code, text, design, graphics, and the selection and arrangement of content — is owned by or licensed to us and is protected by copyright and other intellectual property laws. The underlying government formulas (SSA bend points, IRS uniform lifetime tables, etc.) are in the public domain; our implementation, explanations, and presentation are not.

You may share links to this Site and quote brief excerpts for non-commercial educational purposes with attribution. You may not reproduce or republish substantial portions of the Site without our permission.

7. Third-Party Links

The Site contains links to government websites (SSA.gov, IRS.gov) and other third-party resources. These links are provided for convenience; we do not control and are not responsible for the content, accuracy, or privacy practices of any third-party site. Linking to a third-party site does not constitute our endorsement of that site.

8. Disclaimers

THE SITE AND ITS CALCULATORS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR AFFILIATES, OFFICERS, AND OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THIS SITE OR ITS CALCULATORS — INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, MISSED BENEFIT ELECTIONS, OR TAX PENALTIES — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED ONE U.S. DOLLAR ($1.00).

10. Indemnification

You agree to indemnify and hold harmless the Site, its operators, and their respective agents from any claims, liabilities, damages, or expenses (including reasonable legal fees) arising from your use of the Site, your violation of these Terms, or your violation of any applicable law.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with a revised effective date. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the United States and, to the extent applicable, the state in which the Site is operated, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be resolved in the applicable courts of that jurisdiction.