Terms of Use

Sphinx Money is a financial planning tool, not a financial advisor. Nothing on this platform constitutes financial advice, investment advice, legal advice, tax advice, or any other professional advice. All projections, estimates, and outputs are for informational and illustrative purposes only.

You should not make any financial decision — including decisions about retirement, savings, investment allocation, or spending — based solely on the output of this tool. Always consult a qualified financial advisor, certified financial planner (CFP), CPA, or other licensed professional before acting on any financial information.

All projections generated by Sphinx Money are mathematical models based on the data you input. They rely on assumptions — including assumed rates of return, inflation rates, and contribution schedules — that may not reflect actual market conditions, tax laws, or your personal circumstances.

Past performance of any investment or asset class does not guarantee or predict future results. Actual outcomes may differ materially from any projection shown in this tool.

The quality of any projection depends entirely on the accuracy of the data you provide. Sphinx Money does not verify the information you enter. You are responsible for ensuring your inputs are accurate and complete. Incorrect inputs will produce incorrect outputs.

You use Sphinx Money at your own risk. We make no warranty — express or implied — that the tool is accurate, complete, error-free, or fit for any particular purpose. To the maximum extent permitted by law, Sphinx Money and its operators shall not be liable for any loss or damage arising from your use of or reliance on this tool.

Reaching a retirement savings goal shown in this tool is not guaranteed. Markets fluctuate, tax laws change, and personal circumstances evolve. A projection that shows sufficient retirement savings today may be materially different from your actual financial position at retirement.

Information you enter is stored to power your personal projection and allow you to return to your plan over time. We do not sell your data. See our Privacy Policy for details.

We may update these Terms from time to time. Continued use of the tool after changes are posted constitutes acceptance of the updated Terms.

Questions about these Terms? We're happy to help. Reach out through the app.