- These calculators are designed to be informational and educational tools only. They are not intended in any way as financial, retirement, business, tax or legal advice. The results of using these calculators are hypothetical only and may not be applicable or accurate with regard to your individual circumstances and cannot be relied upon. InRoads and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Please consult with your financial, tax and/or legal advisors for advice regarding your personal circumstances.