Effective Date: July 4, 2026
Horyzen LLC operates this Retirement Savings Modeler at no charge. Use of this tool constitutes acceptance of these terms.
NOTHING ON THIS SITE CONSTITUTES INVESTMENT ADVICE, FINANCIAL ADVICE, TAX ADVICE, LEGAL ADVICE, OR A RECOMMENDATION OF ANY KIND.
This tool is provided for informational and illustrative purposes only. All projections are estimates based on user-provided inputs and simplified modeling assumptions. They are not guarantees of future results and do not account for your complete financial situation, tax circumstances, or individual goals.
Users bear sole responsibility for all financial, tax, and investment decisions. Nothing in this tool should be relied upon as a substitute for advice from a qualified financial advisor, tax professional, or attorney.
Tax laws, federal bracket thresholds, standard deductions, RMD rules, Social Security taxation rules, and state income tax rates change over time. This tool uses a recent baseline year projected forward using a user-specified inflation rate, and applies deliberate simplifications described on the methodology page.
Projections are approximations and may not reflect current law, pending legislation, your specific tax situation, or the actual behavior of financial markets. The Monte Carlo simulation illustrates a range of possible outcomes based on your assumptions; it does not predict the future. Always verify results against current IRS publications and consult a qualified professional before making decisions.
This tool operates entirely within your browser. All calculations are performed locally on your device. The inputs you enter are saved only in your browser’s local storage so your plan persists between visits; they are never transmitted to or stored on any server operated by Horyzen LLC. Exporting your plan writes a file to your own device.
This site may collect anonymous, aggregate usage metrics such as page views and web performance data. This information contains no personally identifiable information and is not associated with the financial inputs you enter.
Horyzen LLC does not collect, sell, or share any personal or financial information from users of this tool.
Users may not screen scrape, harvest data via bots, or use automated processes against this tool. This tool may not be used for any unlawful purpose or in any manner that could damage, disable, or impair its operation.
This tool is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, or completeness. Horyzen LLC makes no warranty that the tool will be error-free or uninterrupted.
To the maximum extent permitted by applicable law, Horyzen LLC and its officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of or reliance on this tool, including but not limited to financial losses resulting from decisions made in connection with projections generated here.
These terms are governed by the laws of the State of California. Any disputes arising under or related to these terms or the use of this tool shall be resolved through binding arbitration under the Federal Arbitration Act. Class action proceedings are excluded.
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