Disclaimer: This Financial Calculator Spreadsheet ("Tool") is intended for informational and educational purposes only. The user understands that this Tool does not provide financial, investment, tax, or legal advice and is not intended to replace professional advice or customized service. All results provided by this Tool are based on the input and assumptions provided by the user and are estimates only. They should not be relied upon for actual financial planning or decision-making. The user assumes all risks associated with the use of this Tool. The creator of this Tool, Glenn Krieger, makes no representation or warranty of any kind, express or implied, regarding the accuracy, reliability, or completeness of any information provided by this Tool. The creator shall not be liable for any errors, omissions, delays, or interruptions in or losses resulting from the use of this Tool, or for any decision made or action taken by the user in reliance upon any calculations or results obtained through its use. By using this Tool, the user agrees to indemnify and hold harmless the creator from any and all damages, losses, expenses, costs (including legal costs), claims, liabilities, fines, penalties, and other liabilities of any nature or kind arising out of or in connection with the use of this Tool. The user is encouraged to seek the assistance of a financial advisor, accountant, or other qualified professional before making any financial decisions. Use of this Tool constitutes acceptance of these terms.