This retirement calculator is designed to provide a general sense of your retirement financial standing and illustrate how various factors may impact your cash flow. However, it's important to note that in reality, there are many other factors not considered in this simplified model. Users are strongly advised to conduct their own due diligence and consult with financial professionals before making any serious financial decisions. This tool should not be considered as financial advice but rather as an educational resource to help you start thinking about your retirement planning.