Disclaimer — independence.money

What independence.money is

independence.money is a free, educational web tool that helps people think about financial independence. It lets you explore how different savings rates, expenses, investment returns, and retirement ages affect when you could reach financial independence, using plain-English explanations and simple projections.

What it isn’t

independence.money is not a financial adviser, investment manager, broker, tax professional, or accountant. The projections, figures, articles, and suggested actions on this site do not constitute personalised financial advice, investment advice, tax advice, or any recommendation to buy, sell, or hold any particular security or product. independence.money is not a registered investment adviser in any jurisdiction.

Accuracy and limitations

All projections are based on the numbers you enter and on simplifying assumptions — for example, a constant rate of return, constant inflation, stable expenses, and no unexpected life events. Real-world results will differ, sometimes substantially. Markets are volatile, tax rules change, and individual circumstances matter. The tool does not account for taxes, fees, one-off expenses, healthcare costs, or changes in your personal situation. Treat all numbers as rough estimates, not guarantees.

What you should do

Before making any significant financial decision — investing, changing jobs, retiring, buying property, paying off debt, or restructuring your savings — speak to a qualified, independent financial professional who understands your full situation. A fee-only fiduciary is generally the safest choice because they are legally required to act in your interest and are not paid commissions on the products they recommend. You can find one through the NAPFA advisor search or a similar directory in your country.

No guarantees

independence.money makes no warranties or guarantees of any kind about the accuracy, completeness, or suitability of the content or projections for your personal circumstances. You use this site at your own risk. independence.money and its contributors accept no liability for any loss or damage arising from your use of the tool or reliance on any of its outputs.