Terms of Service & Disclaimer
Last updated: June 2026
Plain English: what TaxRipe is and is not
What it IS
- ✓ A free educational calculator
- ✓ Estimates of tax savings and employer-match gaps
- ✓ Uses published 2026 IRS limits for the math
- ✓ Runs entirely in your browser — no data stored or transmitted
What it is NOT
- ✗ Not a registered investment adviser
- ✗ Not a tax preparer or CPA service
- ✗ Not financial, tax, or legal advice
- ✗ Does not hold, manage, or invest your money
- ✗ Does not file taxes on your behalf
- ✗ Does not give personalized recommendations
1. Disclaimer
TaxRipe is an educational tool that provides general estimates based on publicly available IRS data and simplified tax math. The output of this calculator is not tax advice, financial advice, legal advice, or investment advice. It does not account for your complete financial situation, state taxes, alternative minimum tax (AMT), FICA, or other factors that affect your actual tax liability.
Before making any financial or tax decisions, consult a qualified professional: a Certified Public Accountant (CPA), Certified Financial Planner (CFP), or licensed tax attorney. The estimates provided here are directional only and may not reflect your actual tax savings.
2. Educational Estimates Only
All content on TaxRipe is for general educational purposes. Any estimates, figures, or "moves" displayed are general illustrations of how 401(k) employer matching, HSA contributions, and Roth vs. Traditional strategies work — not recommendations specific to your situation. Your actual tax savings will depend on factors this tool does not model, including but not limited to state income taxes, Social Security benefits, investment returns, and changes in tax law.
3. No Custody, Management, or Filing
TaxRipe does not hold, manage, invest, or transmit money. It does not act as a custodian, broker-dealer, or money transmitter. It does not prepare or file tax returns. It is not registered as an investment adviser under the Investment Advisers Act of 1940 or any state law, and no content herein constitutes "investment advice" under those statutes.
4. Accuracy and IRS Sources
TaxRipe uses IRS-published limits for tax year 2026. While we endeavour to keep these figures accurate, we make no warranty, express or implied, about accuracy, completeness, or fitness for purpose. Tax law changes frequently — always verify limits directly with the IRS.
5. Limitation of Liability
To the fullest extent permitted by law, TaxRipe and its operators disclaim all liability for any loss, damage, or harm arising from your use of this tool or reliance on any estimate it produces. Use at your own risk.
6. Changes to These Terms
These terms may be updated at any time without prior notice. Continued use of TaxRipe after changes are posted constitutes acceptance of the updated terms.