Lumsyl LLC (Lumsyl) provides lumsyl.com and its related tools and services (the Service) for informational and educational purposes. The Service generates automated estimates and scenario comparisons (Outputs) from the information you enter, simplified assumptions, programmed rules, and public sources. Outputs are estimates, not determinations or guarantees, and they are only as complete and accurate as the information entered.
Lumsyl is not a law firm, accounting firm, tax-return preparer, investment adviser, financial planner, insurance producer, broker, fiduciary, or government agency. Nothing on the Service is tax, legal, accounting, investment, financial, insurance, retirement-plan, or other professional advice. Lumsyl does not prepare or file tax returns, make elections, submit information to a government agency, execute transactions, select investments or insurance products, or determine eligibility for any deduction, credit, subsidy, benefit, contribution, or legal status.
An Output may show the estimated effect of a hypothetical change. It does not recommend that change or establish that it is available, lawful, timely, or appropriate for you. Outputs reflect the tax year, rules, and source data programmed into the Service when the Output is generated and may not reflect later changes in law or agency guidance. Actual results may differ because of information not modeled, eligibility rules, elections, plan terms, state-specific rules, timing, and other circumstances. Worked examples on public pages use hypothetical figures chosen by Lumsyl and are not estimates for any reader.
Review the assumptions shown and verify important results independently. Before acting on an Output, consult a qualified professional who can evaluate your complete circumstances. Using the Service does not create an attorney-client, accountant-client, adviser-client, fiduciary, or other professional relationship. The Service is provided without warranties, and Lumsyl's liability is limited, as described in the Terms of Service.
Lumsyl is not affiliated with or endorsed by the Internal Revenue Service, the U.S. Department of the Treasury, the U.S. Department of Health and Human Services, the Centers for Medicare & Medicaid Services, the Social Security Administration, any health-insurance marketplace, or any other government agency.
Your use of the Service is subject to the Terms of Service and Privacy Policy.
Last updated: September 2026.