Terms of Service

Last updated: April 1, 2026

Acceptance of Terms

By accessing and using the FIRE Number Calculator (“the Service”), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

Use of Service

The FIRE Number Calculator is a free educational tool designed to help users understand concepts related to financial independence and early retirement. The Service is provided “as is” without warranty of any kind.

You may use the Service for personal, non-commercial purposes. You may not use the Service to provide financial advice to others without appropriate licensing.

No Financial Advice

Important: The calculations and information provided by this Service are for educational and informational purposes only. They do not constitute financial advice, investment advice, or any other type of professional advice.

Results are based on mathematical models and historical assumptions that may not reflect future performance. Always consult a licensed financial advisor, certified financial planner (CFP), or other qualified professional before making investment or retirement planning decisions.

Accuracy of Information

While we strive to provide accurate calculations, we make no guarantees about the accuracy, completeness, or fitness for a particular purpose of any information on this Service. Investment returns, inflation rates, and market conditions are inherently unpredictable.

Limitation of Liability

Choppy Toast shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use this Service, including but not limited to damages for financial decisions made based on calculator results.

Intellectual Property

All content on this Service, including but not limited to text, graphics, code, and blog articles, is the property of Choppy Toast and is protected by applicable copyright and intellectual property laws.

Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the Service after changes constitutes acceptance of the modified terms.

Contact

For questions about these Terms of Service, contact us at choppy.young@gmail.com.