Terms of Use

Effective July 2026.

1. What this site is

530amodel.com (“the Site”) is a free educational calculator that models hypothetical outcomes for 530A custodial accounts. It is provided as a public-good project.

2. Not advice

Nothing on the Site is financial, investment, tax, or legal advice, and nothing here creates an advisor–client relationship. Projections are mathematical illustrations based on assumptions you control; they are estimates, not predictions or guarantees. Markets can lose money. Consult a qualified professional before making financial decisions.

3. Accuracy

We work hard to keep legal figures current and cite primary sources with a “verified as of” date, but law and IRS guidance change. Where a rule is unconfirmed, the Site says so rather than guessing. If you find an error, please report it via the project's public repository.

4. No warranties; limitation of liability

The Site is provided “as is,” without warranties of any kind, express or implied. To the maximum extent permitted by law, the Site's operator is not liable for any damages arising from use of the Site or reliance on its outputs.

5. Acceptable use

Don't abuse, disrupt, or attempt to compromise the Site. The public API is rate-limited and offered for lawful, attributed use.

6. Changes

These terms may be updated; the effective date above will change when they do.