Terms & Conditions

By using SeniorCalc, you agree to these terms. Please read them — they are short and written in plain English.

1. Educational use only

SeniorCalc provides free educational tools to help you understand Medicare, Social Security, and retirement finances. Nothing on this site constitutes financial, legal, tax, or medical advice. Our calculators are for informational and planning purposes only.

Always verify important decisions with a licensed financial advisor, CPA, attorney, or the relevant government agency (SSA, CMS, IRS) before acting on any information from this site.

2. Accuracy of information

We strive to keep our data accurate and up-to-date. Medicare IRMAA brackets are sourced from the Centers for Medicare & Medicaid Services (CMS). Social Security bend points are sourced from the Social Security Administration (SSA). IRS tables are sourced from IRS publications.

Despite our best efforts, information may contain errors or become outdated after publication. We make no warranties, express or implied, about the accuracy, completeness, or suitability of any information on this site.

3. No warranty

SeniorCalc is provided "as is" without warranty of any kind. We do not guarantee that the site will be available at all times or free from errors.

4. Limitation of liability

To the fullest extent permitted by law, SeniorCalc and its operators shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on any information provided here.

5. External links

SeniorCalc may link to external websites (Medicare.gov, SSA.gov, IRS.gov, etc.) for your convenience. We are not responsible for the content or practices of those sites.

6. Privacy

Your use of this site is also governed by our Privacy Policy, which is incorporated into these terms by reference.

7. Changes to these terms

We may update these terms from time to time. Continued use of the site after changes constitutes your acceptance of the updated terms.

8. Contact

Questions about these terms? Contact us here.