DISCLAIMER & LIMITATION OF LIABILITY: This calculator is provided for informational purposes only and does not constitute financial, investment, or legal advice. All projections are estimates based on historical data and market assumptions; actual results may vary significantly. The author shall not be held liable for any financial losses, damages, or lost profits resulting from investment decisions made based on the information contained herein. Investors should perform their own due diligence and consult with a certified professional before committing capital.