Terms of Service

These terms govern your use of Plot My Retirement ("Plot My Retirement", "we", "us"), a website that provides retirement planning calculators, destination guides, a community forum, and optional Premium features. By using the site you agree to these terms.

Plot My Retirement provides educational tools and general information only. Calculator results, Monte Carlo simulations, destination cost figures, visa summaries, and tax overviews are estimates based on the inputs you provide and publicly available data. They are not financial, tax, legal, or immigration advice. Always consult a qualified professional before making financial or relocation decisions.

Some features require an account. You are responsible for keeping your sign-in credentials confidential and for all activity under your account. You must provide an accurate email address. We may suspend accounts that violate these terms.

Premium is a paid subscription ($12/month or $99/year) that unlocks additional features such as Monte Carlo simulations, emailed results, and full destination guide content.

• Subscriptions renew automatically until cancelled.
• You can cancel at any time; access continues until the end of the paid period.
• Payments are processed by our payment provider, Paddle, which acts as the seller of record and handles taxes and receipts.
• Prices may change with notice; changes apply from your next renewal.

See our Refund Policy for cancellation and refund details.

You agree not to:

• Post unlawful, defamatory, spam, or misleading content in the forum;
• Attempt to bypass paywalls, security controls, or rate limits;
• Scrape or bulk-copy site content without permission;
• Interfere with the operation of the site or other users' access.

You retain ownership of what you post, but you grant Plot My Retirement a licence to display and distribute it on the site. We may remove content that violates these terms or applicable law.

The site's design, text, calculators, and compiled destination data are the property of Plot My Retirement and may not be reproduced without permission, except for personal, non-commercial use of your own results.

The site is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Plot My Retirement is not liable for decisions made based on site content, for losses arising from use of the calculators or guides, or for service interruptions.

We may update these terms from time to time; the "last updated" date above shows the current version. Continued use after changes means you accept them. Questions about these terms can be sent via the contact options on our Trust & Security page.