Calculator is provided by DST Systems, Inc. DST is not affiliated with this site's sponsor, owner or any affiliate thereof. The calculator is provided for educational purposes only and does not serve, either directly or indirectly, as legal, financial or tax advice. You should always consult with your financial planner, attorney and/or tax advisor as needed. The output provided by any calculator depends upon the completeness and the accuracy of the information and assumptions that the user provides. Users should verify the accuracy of all information that they incorporate into their use of the calculator, including information input by ADP if applicable. ADP is not responsible for the completeness, accuracy, and appropriateness of the information and assumptions provided by any user. Users should also verify the appropriateness for them of any assumptions used and, if applicable, modify these assumptions for their individual situation. Assumptions about projected investment returns, inflation, as well as the data that users provide, such as current and future income and expense estimates, are inherently uncertain and introduce uncertainty in the calculations that the tool performs. Even small changes in these inputs and assumptions may have a significant impact on the calculator’s derived results. Any results generated by a calculator are not representative of any index or fund, are hypothetical, and are not guaranteed. All investments carry a degree of risk and past performance is not a guarantee of future results. Asset allocation and diversification do not ensure a profit and do not protect against loss in declining markets.