Terms

Terms of Use

Last updated May 28, 2026.

Educational Use Only

CliffWise calculators are provided for general education and planning estimates. They are not tax, legal, investment, accounting, Medicare, or financial advice.

No Professional Relationship

Using this site does not create a client, advisor, accountant, attorney, or fiduciary relationship. Consult a qualified professional before making Roth conversion, withdrawal, tax filing, Medicare, or investment decisions.

Accuracy

We aim to use public IRS, CMS, and SSA figures accurately, but rules can change and individual facts matter. We do not guarantee that every result is complete, current, or suitable for your situation.

External Sources

Links to government and third-party resources are provided for convenience. We do not control those sites and are not responsible for their content or availability.

Limitation of Liability

Use the site at your own risk. To the fullest extent allowed by law, CliffWise is not liable for losses, penalties, premium increases, tax outcomes, or other damages connected to use of the calculators or content.