Disclaimers

Not financial, tax, or legal advice

HeavyPocket is a personal record-keeping tool, not a licensed financial advisor. All figures are based on data you entered or that we fetched once daily and may not reflect real-time market conditions, current yields, or the accuracy of third-party price sources. Nothing here is investment, tax, or financial advice. Consult a qualified professional before making financial decisions.

Nothing in the Service — including net worth totals, asset class breakdowns, income and expense summaries, or any “financially independent” messaging — is a recommendation to buy, sell, hold, or rebalance anything, and none of it is prepared or reviewed by a licensed financial advisor, tax professional, or attorney. Always consult a qualified, licensed professional before making a financial, tax, or legal decision.

Not a brokerage or account aggregator

HeavyPocket.ai never connects to, logs into, or retrieves data from any bank, brokerage, or financial institution on your behalf. Every account, asset, and liability balance is either entered manually by you or, for supported symbols, priced once daily using third-party market data (see below). We have no visibility into your actual bank or brokerage accounts and cannot verify that what you’ve entered is accurate or complete.

Price & dividend data

Market prices and dividend yield figures for supported asset classes are fetched once per day from a third-party market data provider and may be delayed, stale, incomplete, or inaccurate — the Service is not a real-time quote system. You can override any price manually at any time; manual overrides and manually entered values (for asset classes like real estate, private companies, and digital assets) are never validated against real market data and are only as accurate as what you enter.

Cost basis & tax figures

Cost basis, gain/loss, and yield figures shown in the app are calculated from data you manually entered and are provided for informational convenience only. They are not derived from official brokerage records, are not adjusted for wash sales, splits, corporate actions you haven’t recorded, or other tax-lot complexities, and must not be used to prepare a tax return or any tax filing without independent verification against your actual brokerage statements and a qualified tax professional.

Compounding projector

The compounding projector is a hypothetical mathematical illustration based entirely on the starting balance, contribution, and growth-rate assumptions you enter. It does not use real market data, does not account for fees, taxes, or volatility, and is not a prediction, projection, or guarantee of actual future performance.

Historical backtesting tool

This tool replays real US market history (1970-present, S&P 500 and 10-year Treasury total returns, CPI inflation) against a simplified two-asset (stocks/bonds) model of your portfolio — it does not use your actual holdings, does not account for taxes, fees, or Social Security, and assumes annual rebalancing. A high historical success rate describes how this simplified plan would have performed in the past, not a guarantee or prediction about the future. This is not financial advice — consult a qualified professional before making withdrawal decisions.

4% withdrawal estimate

This estimate is based solely on your recorded monthly net worth snapshots and a fixed 4% assumption. It is not a recommendation, is not personalized, and does not account for taxes, fees, sequence-of-return risk, or your actual portfolio composition. Past performance does not guarantee future results.

AI features

AI-generated commentary and answers are produced by a third-party AI model, using an API key you supply, based only on the data you’ve entered into the Service. AI output may be inaccurate, incomplete, or out of date; it is never reviewed by us before being shown to you and is never investment, tax, or legal advice. AI responses are generated on demand and are not stored or reused by us beyond the request that produced them.

Your responsibility

You are solely responsible for any financial, tax, or legal decision you make, whether or not it was informed by anything shown in the Service. Past performance — whether your own recorded history or the historical market data used by the backtesting tool — does not guarantee future results.