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Terms of Service & Disclaimer

Last updated: June 22, 2026

IMPORTANT DISCLAIMER: This website is an illustrative guidance tool only. It does not constitute financial advice, tax advice, or a personal recommendation. Pension rules, tax bands, and investment returns can change over time.

1. Agreement to Terms

By accessing or using Drawdown Planner, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or tools.

2. Not Regulated Financial Advice

None of the calculations, projections, charts, or content displayed on Drawdown Planner constitute financial advice as defined by the Financial Services and Markets Act 2000 (FSMA) or any other regulatory framework. Our tools are designed solely for educational and illustrative purposes. Pensions are complex, and tax treatment depends on individual circumstances. Before making any decisions regarding your pension or retirement investments, you should consult an FCA-regulated financial adviser.

3. Accuracy of Calculations and Projections

While we strive to ensure our formulas reflect current tax bands (e.g. 2026/27 tax year in the UK) and standard actuarial projections, all results are estimates only. Real-world investment performance, inflation, fees, tax rates, and personal lifespan will vary. We make no guarantees or warranties regarding the mathematical accuracy or absolute suitability of the outputs generated by this site.

4. Third-Party Ads and External Links

This site contains ads and affiliate links to third-party services. We are not responsible for the contents, advice, product availability, or practices of any external website you navigate to from our links. Any commercial transactions you complete with third-party providers (such as pension consolidators or SIPP comparison providers) are strictly between you and that provider.

5. Limitation of Liability

To the fullest extent permitted by law, Drawdown Planner and its creators will not be liable for any losses, damages, or expenses (including, without limitation, direct, indirect, special, or consequential loss) arising from your use of this site or reliance on the calculations produced by our tools.

6. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales in relation to any dispute arising out of your use of this website.