Terms of Service

Last updated September 28, 2026

These terms are an agreement between you and Afterwork Plan LLC, an Ohio limited liability company ("we," "us"), for your use of afterworkplan.com and the Afterwork Plan software (the "service"). By using the service you agree to them. If you don't agree, please don't use it.

1. What Afterwork Plan is, and what it isn't

Afterwork Plan is educational software. It calculates what could happen to a retirement plan using numbers you enter and the actual history of US stock, bond and cash returns and inflation since 1928.

• It is not investment, tax, legal or insurance advice, and it is not a financial plan prepared for you by a person.
• Afterwork Plan LLC is not a registered investment adviser, broker-dealer, insurance agent or tax preparer.
• The service never recommends any security, fund, insurance product or mix of investments. Every choice, including your mix of stocks and bonds, is yours.
• Results are hypothetical. They depend on the numbers you enter and on past market history, and the future can be worse than anything in history. They are not a promise of any result.
• Tax figures are estimates under current federal law, simplified as described on the results page.

Before making a financial decision, consider talking to a qualified professional who knows your full situation.

2. Your account

You can use the free answer without an account. To save your answers or buy Pro, you create an account with your email address and sign in with a code we email you. You must be at least 18. Keep access to your email secure, because anyone who can read it can sign in as you. You're responsible for the accuracy of the numbers you enter.

3. Afterwork Plan Pro

• Price. Pro costs $129 per year, plus any sales tax that applies, charged to your card when you subscribe.
• Automatic renewal. Your subscription renews automatically each year at the then-current price, charged to the same card on the renewal date, until you cancel. We'll email you a reminder at least 15 days before each renewal with the date and the amount.
• Cancelling. Sign in, open Account, and choose Cancel subscription. You can also email us and we'll cancel it for you. Pro stays on until the end of the year you've paid for, then your account returns to the free version and your saved answers stay.
• Price changes. If the price changes, we'll email you at least 30 days before it applies to your renewal, so you can cancel first if you choose.

4. Refunds

If you're not happy, email us within 30 days of any charge, including a renewal, and we'll refund that charge in full. After 30 days, charges aren't refundable, but you can still cancel so you aren't charged again.

5. Creators and referral links

Some creators who talk about Afterwork Plan are paid a commission when someone subscribes through their link. It doesn't change your price. Creators don't see your email address or your answers.

6. Using the service fairly

Please don't misuse the service: no attempts to break its security, overload it, scrape it, resell it, get around the Pro features without paying, or use it to break the law. We may suspend or close an account that does.

7. Our software and your information

We own the service, its software, text and design. We give you a personal, non-transferable right to use it under these terms. The answers you enter belong to you. You let us store and process them only to run the service for you, as described in our Privacy Policy.

8. Disclaimers

The service is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of accuracy, fitness for a particular purpose and merchantability. We don't promise the service will be uninterrupted or error-free, or that any result it shows will happen.

9. Limit on our liability

To the fullest extent the law allows, we aren't liable for any indirect, incidental, special or consequential damages, or for any investment, tax or financial loss from decisions you make, whether or not you used the service to make them. Our total liability for any claim about the service is limited to the amount you paid us in the 12 months before the claim. Some places don't allow these limits, so they may not all apply to you.

10. Ohio law

These terms are governed by the laws of the State of Ohio, without regard to its conflict-of-law rules. Any dispute will be handled in the state or federal courts located in Ohio, and you and we agree to their jurisdiction. Before filing a claim, please email us so we can try to fix the problem.

11. Changes to these terms

We may update these terms. We'll change the date at the top, and we'll email account holders about any change that affects their subscription at least 30 days before it applies. Using the service after a change means you accept the new terms.

12. Contact

Afterwork Plan LLC · dan@afterworkplan.com