Terms of Use
Last Updated: November 26, 2025
Acceptance of Terms
By accessing and using Freedom Number Calculator, you agree to be bound by these Terms of Use. If you do not agree, please do not use this calculator.
Description of Service
Freedom Number Calculator is a retirement income gap calculator that estimates the monthly supplementary income you may need in retirement. This service is provided for educational and entertainment purposes only and is NOT financial advice.
Use of Calculator
You agree to:
- Provide accurate information to the best of your knowledge
- Use the calculator for lawful purposes only
- Not attempt to manipulate, hack, or interfere with the calculator
- Understand that results are estimates, not guarantees
- Consult qualified financial professionals before making financial decisions
Calculator Methodology & Limitations
The calculator uses simplified assumptions including:
- 4% Withdrawal Rule: A standard retirement planning guideline
- Compound Growth: Based on the return rate you specify
- Static Assumptions: Does not account for inflation, taxes, market volatility, or other real-world factors
The calculator does NOT account for:
- Inflation and purchasing power changes
- Federal and state income taxes
- Required Minimum Distributions (RMDs)
- Healthcare costs (including Medicare)
- Sequence of returns risk
- Changes to Social Security benefits
- Unexpected expenses or emergencies
- Longevity risk (outliving your savings)
- Future changes in your income or savings rate
NOT Financial, Investment, or Retirement Advice
IMPORTANT: This calculator and its results are NOT:
- Financial advice or financial planning
- Investment advice or recommendations
- Retirement planning advice
- Tax advice or tax planning
- Legal advice
- A substitute for professional financial consultation
You should consult with qualified professionals including:
- Certified Financial Planners (CFP)
- Investment advisors
- Tax professionals (CPA, EA)
- Retirement planning specialists
- Estate planning attorneys
Email Communications
By providing your email address, you agree to receive:
- Your Freedom Number calculation results (immediate)
- Follow-up emails with retirement planning resources
- Information about Encore Income products and services
- Occasional promotional content
You can unsubscribe at any time by clicking the unsubscribe link in any email.
Data Processing
By using the calculator, you acknowledge and consent to:
- GetResponse Processing: Your name, email, and Freedom Number will be stored in GetResponse for email communication
- Calculation Data: Your calculator inputs are processed in real-time and are not permanently stored on our servers
- Email Delivery: Results will be sent via email to the address you provide
No Income Guarantees
If the calculator identifies a retirement income gap (your "Freedom Number"), we make absolutely no guarantees about:
- Your ability to generate that supplementary income
- How long it will take to build income streams
- The success of any business or income opportunity
- Market demand for your skills or services
- Economic conditions affecting income generation
Affiliate Disclosure
Some links and recommendations we provide may be affiliate links. This means:
- We may earn a commission if you purchase through our links
- There is no additional cost to you
- We only recommend products and services we believe provide value
- Our recommendations are based on honest assessment, not commission potential
- As an Amazon Associate, we earn from qualifying purchases.
Intellectual Property
All content on this website, including the calculator methodology, design, text, graphics, and software, is the property of Encore Income or its licensors and is protected by intellectual property laws.
You may not:
- Copy, reproduce, or distribute the calculator code
- Reverse engineer the calculator
- Use our content for commercial purposes without permission
Disclaimer of Warranties
THE CALCULATOR IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DO NOT WARRANT THAT:
- The calculator will be error-free or uninterrupted
- Results will be accurate, reliable, or suitable for your situation
- Any defects will be corrected
- The methodology is appropriate for your circumstances
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:
- Any direct, indirect, incidental, consequential, or punitive damages
- Losses resulting from use or reliance on calculator results
- Financial losses from decisions made based on the calculator
- Inaccurate calculations or flawed assumptions
- Loss of retirement savings or income
- Business failures or unsuccessful income ventures
Indemnification
You agree to indemnify and hold harmless Encore Income, its owners, employees, and affiliates from any claims, damages, or expenses arising from:
- Your use of the calculator
- Financial decisions made based on calculator results
- Violation of these Terms of Use
- Your inaccurate inputs or misuse of the calculator
External Links
This website may contain links to external websites. We are not responsible for the content, accuracy, or practices of external sites.
Governing Law
These Terms of Use are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles.
Changes to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting. Your continued use constitutes acceptance of the new terms.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Contact Information
If you have questions about these Terms of Use, please contact: