Disclaimer

What Snowballr is

Snowballr is an independent, ad-supported education site. We build free calculators and write money guides. Our goal is to help you think clearly about money.

That is all we do. We do not sell products. We do not manage money. We do not give personalized advice.

What Snowballr is not

Nothing on this site is:

• Investment advice
• Tax advice
• Legal advice
• Accounting advice
• A recommendation to buy, sell, or hold any asset

We are not a:

• Registered investment advisor
• Broker-dealer
• Tax professional
• Attorney
• Insurance agent

We have no duty of care to you. No fiduciary relationship. No client relationship at all.

How accurate are the calculators?

The math is exact for the numbers you type in. We use standard formulas:

• Compound interest
• Present value and future value
• Loan amortization
• Annuity future value

But the output depends on your inputs. Real life differs from the math because:

• Returns change year to year
• Inflation is hard to predict
• Tax rules change
• Your life has factors no calculator can know

So treat every number as a rough projection. Not a promise.

"As-is" — no warranty

We make no warranty about the site. None at all. Not for accuracy. Not for completeness. Not for any particular use.

The site is provided "as-is" and "as-available". Use it at your own risk.

Past returns ≠ future returns

This site cites historical numbers. The S&P 500's 10% long-run average. The 4% safe withdrawal rate. Vanguard studies. These are for context only.

Historical returns describe the past. They do not predict the future. The next 30 years may look very different.

Anyone who promises guaranteed returns based on history is either wrong or selling you something.

No personalized advice — ever

We know nothing about you. We do not collect:

• Your income or net worth
• Your goals or risk tolerance
• Your tax bracket
• Your family situation
• Your employer benefits
• Your insurance coverage

So our calculators cannot fit your case. They can only model what you type.

Even our guides offer general rules — for example, "employer match → Roth IRA → 401(k) → taxable." That is a typical pattern. It is not a plan made for you.

Before any real money decision, talk to a fee-only fiduciary advisor. Examples of real decisions:

• How to invest a windfall
• 401(k) vs Roth IRA
• Pay off mortgage early
• Refinance student loans
• When to claim Social Security
• How to draw down retirement accounts

Verify the advisor first. Use FINRA BrokerCheck or the SEC IAPD. Five minutes. Free.

Tax content is not tax advice

We write about tax topics: Roth vs Traditional, capital gains, RMDs, backdoor Roth, contribution limits, Social Security tax.

We summarize current US federal rules. We rarely cover state rules.

Tax law changes often. Sometimes mid-year. Before filing or planning, talk to a CPA or enrolled agent.

Third-party links

We link to other sites when they are the original source. Examples: IRS, FINRA, SEC, BLS, FRED, NYU Stern, Investor.gov, Vanguard, brokers, news outlets.

A link is not an endorsement. We do not control the linked content. We earn no commission from any link on Snowballr.

Ads

We show ads via Google AdSense. The rules:

• Ads load only after you accept cookies
• Ads lazy-load as you scroll
• Ads do not slow down the calculators
• We do not write, review, or fact-check ad content
• Clicking an ad takes you to a third-party site we do not control

We do not accept sponsored posts, paid product placement, affiliate links, or referral fees. Display ads are the whole business model. Our content stays independent.

Fraud warning

Investment fraud costs Americans roughly $4.6 billion per year (FBI IC3).

Common red flags:

• Guaranteed high returns
• Urgency to act now
• Seller is not registered
• Strategy cannot be explained simply
• Pressure to recruit more investors

Before sending money to anyone — friend, family, advisor — verify on FINRA BrokerCheck or SEC IAPD.

For details, see Protect your money.

Liability limit

To the fullest extent the law allows, Snowballr and its team are not liable for any loss tied to your use of this site. Direct, indirect, incidental, or otherwise.

This includes losses from financial decisions you make based on:

• Calculator outputs
• Guide content
• Any other material on the site

Where we are based

Snowballr is run from outside the United States. But most readers are in the US.

That is why we focus on US accounts (401(k), IRA, Roth IRA, HSA) and US rules (IRS, FINRA, SEC).

Readers in other countries: many of these account types do not exist where you live, or work differently. Our Portuguese and German sections add local examples in the currency, but most articles still describe US accounts.

Updates to this disclaimer

We may update this page when the site, content, or law changes.

Big changes will move the "Last updated" date at the top. If you keep using the site after an update, you accept the new version.

Contact and corrections

Found a mistake? An old number? A claim that needs more nuance?

Email funplay486@gmail.com.

We reply in 1–3 business days. See our editorial standards for the full corrections process.

Related pages

• About Snowballr — who we are, how the site stays free
• Editorial standards — sourcing, fact-checking, corrections policy
• Sources & methodology — primary references for every claim
• Privacy — what we collect (and don't)
• Terms — terms of use
• Protect your money — fraud prevention and advisor verification