Disclaimer & terms of use

Educational estimates, not advice

Every result on this site is an educational projection built from assumptions you control. Nothing here is financial, investment, tax or legal advice, and no result is a recommendation to buy, sell or hold any investment or insurance product. Markets do not deliver smooth average returns; real outcomes will differ from any projection. Consult a licensed financial advisor and a tax professional before acting.

Where the numbers come from

Tax rates, allowances and account limits are sourced from the relevant tax authorities — including the IRS, HMRC, the ATO, the CRA, IRAS, HASiL, KWSP, PERKESO, Inland Revenue, the FMA, US state insurance regulators, the NAIC, the UAE Government and MOHRE — and each figure is stored with its tax year, verification date and source. Projections use documented conventions (monthly compounding at the annual rate divided by twelve, contributions and withdrawals at the start of each month, pooled average cost for gain calculations) and documented simplifications, which are noted on each calculator page.

No liability

While we work hard to keep figures current and calculations correct, this site is provided "as is" without warranty of any kind. We accept no liability for decisions made or losses incurred based on these tools. Tax law changes; verify anything material with the authority's own published guidance before relying on it.

Privacy & cookies

Calculations run in your browser and on our edge servers; calculator inputs are not stored by GrowThenDraw. Optional Google Analytics measurement is blocked until you consent, and shared-plan query parameters are removed from the page address sent to analytics.

See our privacy and cookie policy for the data we use, optional cookies and how to change your choice. The calculators work the same if you choose essential cookies only.