Legal notice & disclaimer
1. Site owner
The website myfiresimulator.com (the «Site») is an independent educational project. For any Site-related enquiry, use the simulator contact form.
2. Purpose
The Site provides a free financial planning calculator (FIRE / financial independence) using Monte Carlo and historical simulations. All blog and simulator content is for strictly educational, mathematical, and informational purposes. It does not constitute personalized financial, tax, legal, or investment advice.
3. Use of the simulator
You may use calculation features without an account. Optional Google sign-in enables cloud saves, the AI advisor, and community gallery participation. Main simulations run in your browser (WebAssembly); see our technical methodology. Using the Site means you accept this notice and the privacy policy.
4. Investment risk
Projections (P10, P50, P90, success rate, SWR, etc.) rely on historical data and statistical assumptions that do not guarantee future results. Investing in financial markets involves risk of total or partial loss of capital. «Pessimistic» or «optimistic» scenarios are illustrative, not forecasts.
5. Limitation of liability
The Site owner does not warrant error-free operation or uninterrupted availability. No liability is accepted for investment, savings, or retirement decisions based on displayed results. Users should verify information with qualified professionals where appropriate.
6. Intellectual property
Design, code, original text, and the «My FIRE Simulator» brand are protected. You may share links and quote with attribution. Commercial reuse of the simulator or its data without express permission is not allowed.
7. Community content
Plans published in the gallery and user comments are the responsibility of their authors. The owner may moderate or remove content that violates law or usage rules. Publishing a plan to the gallery makes it visible to other Site users.
8. External links
The Site may link to third-party resources. External content is neither controlled nor endorsed.
9. Applicable law
Unless mandatory law provides otherwise, this notice is governed by applicable Spanish and European law. Disputes shall be submitted to the competent courts, without prejudice to your rights before data protection authorities or other out-of-court remedies.
10. Changes
This notice may be updated. The revision date appears at the top. Continued use after a change constitutes acceptance of the current version.