Terms of use

Last updated 8 November 2026. These terms apply to the free early-access version of CoveredYears.

1. What CoveredYears is

CoveredYears is a free educational calculator. It applies standard actuarial and financial formulas to numbers you enter and shows estimates of the value of your future income, gaps in life, disability and property insurance, retirement coverage, and savings needed for a goal. It is intended for users aged 18 and over.

2. What CoveredYears is not

• It is not investment, financial, tax, legal or insurance advice, and not a substitute for a licensed professional.
• It does not recommend specific financial products, funds, securities or insurers, and receives no commissions or referral fees from any of them.
• It does not manage money, trade, or handle client funds.
• It is independent of any bank, insurer or investment fund.
• Using it does not create an adviser–client, fiduciary or any other professional relationship.

3. Estimates, not guarantees

All results are hypothetical. They depend on the numbers you enter and on assumptions such as interest rates, inflation, wage growth and life expectancy, all of which are listed in the report and can be changed. Actual outcomes will differ. Do not make financial decisions based only on CoveredYears; discuss them with a qualified professional.

4. Your data

The calculation runs entirely in your browser and the numbers you enter are never sent to us. How we handle the little personal data we do process is explained in our privacy policy.

5. Price

During early access, CoveredYears and its detailed report are free. If paid features are introduced later, they will be clearly marked, and you will never be charged without an explicit purchase.

6. No warranty and limitation of liability

CoveredYears is provided "as is", without warranties of any kind, including accuracy, completeness or fitness for a particular purpose. To the extent permitted by law, the operators of CoveredYears are not liable for any loss or damage arising from the use of, or reliance on, the calculator or its reports.

7. Changes

We may update these terms. The date at the top shows the latest version. Continuing to use CoveredYears after a change means you accept the updated terms.

8. Contact

Questions about these terms, your data or the calculations: [email protected].