Terms of Service

By accessing and using the Lifetime Earnings Forecast website, including the calculator, salary articles, career lifetime earnings guides, and all related content (collectively, "the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

The Lifetime Earnings Forecast website provides an interactive earnings calculator, salary guide articles, and career lifetime earnings pages. All content provides estimated career earnings projections based on:

• User-provided inputs (age, education, field, experience, hours, income)
• U.S. Bureau of Labor Statistics (BLS) public data
• Statistical modeling of career progression patterns
• Peer baseline comparisons based on career field and education

All content on the Site, including the calculator, articles, and career earnings pages, is provided for educational and informational purposes only. It is not:

• Financial advice, career counseling, or investment guidance
• A guarantee or promise of future earnings
• A substitute for professional financial or career planning services
• An employment offer or compensation agreement

Actual earnings vary significantly based on factors the Site cannot account for, including but not limited to:

• Individual performance, skills, and qualifications
• Specific employer compensation policies
• Local labor market conditions and cost of living
• Economic conditions and industry trends
• Negotiation outcomes and career decisions
• Promotions, layoffs, career changes, or entrepreneurship
• Benefits, bonuses, equity compensation, and other non-salary income
• Taxes, insurance costs, and other deductions

Calculator

The calculator uses:

• Public domain data from the U.S. Bureau of Labor Statistics (BLS) Occupational Employment and Wage Statistics (OEWS) as the primary source for occupational wage data
• Statistical models developed to approximate career progression patterns across occupations
• User-provided inputs which are processed locally and not stored on our servers

Salary articles and career pages

This website is built with AI tools. Salary articles, career earnings guides, and comparison pages are built with AI tools.

• All salary and employment data cited in articles comes exclusively from U.S. government sources (BLS OEWS, BLS Employment Projections, OPM) and is verified against official government pages
• Qualitative descriptions (career overviews, industry context) are built with AI tools and represent general knowledge about the occupations described

Government data sources

All salary and employment data on this site comes exclusively from U.S. government sources:

• BLS Occupational Employment and Wage Statistics (OEWS), May 2024
• BLS Employment Projections 2024–2034
• OPM General Schedule Pay Tables
• O*NET OnLine (Department of Labor)

BLS calculator data is updated via API. See the calculator's Sources panel and Methodology page for complete documentation.

Users agree to:

• Provide accurate inputs to the extent possible
• Understand that results are estimates, not guarantees
• Not rely solely on the Site for major financial or career decisions
• Consult qualified professionals for personalized advice
• Use the Site in compliance with applicable laws

The Site, including its code, design, methodology, and content, is protected by copyright and other intellectual property laws.

Users may:

• Use the Site for personal, non-commercial purposes
• Share links to the Site

Users may not:

• Reproduce, modify, or create derivative works without permission
• Reverse engineer or extract the underlying algorithms
• Use the Site for commercial purposes without authorization
• Remove or obscure copyright notices or attributions

To the maximum extent permitted by law:

• The Site is provided "AS IS" without warranties of any kind, express or implied
• We do not warrant that the Site will be error-free, uninterrupted, or meet your requirements
• We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site
• This includes but is not limited to: financial losses, career decisions, opportunity costs, or reliance on projections
• Your use of the Site is at your sole risk

Use of the Site does not create any professional relationship, including but not limited to:

• Financial advisor-client relationship
• Career counselor-client relationship
• Employer-employee relationship
• Contractual obligations regarding compensation

The Site uses the following third-party services:

• Google Analytics: Usage analytics for behavior insights (Google's privacy policy)
• Cloudflare: Website hosting and CDN (Cloudflare's privacy policy)
• BLS Public Data API: Live salary data from the U.S. Bureau of Labor Statistics (federal government public service)
• Google Fonts: External font delivery from Google servers (Google's privacy policy)

We are not responsible for the privacy practices or content of third-party services. Please review their respective privacy policies.

Affiliate links

Some pages contain affiliate links to third-party products and services. We may receive compensation from purchases made through these links. Affiliate relationships do not influence the salary data, employment statistics, or government figures presented on this site. See our Privacy Policy for details.

We reserve the right to:

• Modify, suspend, or discontinue the Site at any time without notice
• Update calculations, data sources, or methodologies
• Change these Terms of Service (changes effective upon posting)
• Limit access to the Site for maintenance or other reasons

Continued use of the Site after changes constitutes acceptance of modified terms.

The Site is designed for users in the United States and uses U.S. labor market data. Projections may not be accurate for:

• Employment outside the United States
• Non-U.S. currencies or compensation structures
• International career paths or education systems

The Site is intended for users age 13 and older. Users under 18 should use the Site with parental guidance and understand that career projections are educational estimates.

You agree to indemnify and hold harmless the operators of this Site from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use or misuse of the Site
• Your violation of these Terms of Service
• Your violation of any rights of third parties
• Decisions made based on Site projections

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

These Terms shall be governed by and construed in accordance with the laws of the District of Columbia, United States, without regard to conflict of law principles.

Any dispute arising from your use of the Site shall first be resolved through good-faith negotiation. If a dispute cannot be resolved informally within 30 days, it shall be submitted to binding arbitration in the District of Columbia under the rules of the American Arbitration Association. Each party shall bear its own costs. Nothing in this section prevents either party from seeking injunctive relief in a court of competent jurisdiction.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the operators of this Site regarding your use of the service.

If you have questions about these Terms of Service, please contact us at or review the information provided on this page and our Privacy Policy.