Plain-language terms for using Chubby. Last updated February 2026.
Chubby is a Monte Carlo financial planning simulator. It runs thousands of randomized market scenarios against your inputs and shows you a range of outcomes. It answers "what tends to happen under these assumptions" — never "what you should do."
Chubby is an educational tool. It is not financial advice, investment advice, tax advice, or any other kind of professional advice. Simulation results are for educational and informational purposes only. Do not rely on Chubby's outputs for actual financial decisions without consulting a qualified financial professional.
Chubby is an open-source project maintained by volunteers. It is provided "as is" without warranty of any kind. The simulation engine may contain bugs, use incorrect assumptions, or produce inaccurate results. Chubby is a calculator — outputs depend entirely on what you put in. If your inputs are wrong, the outputs will be wrong. Do not assume the outputs are correct.
To the fullest extent permitted by law, Chubby's operators are not liable for any damages arising from use of the service. This includes direct, indirect, incidental, or consequential damages — whether from simulation outputs, service interruptions, or anything else related to Chubby.
Use Chubby for personal educational exploration. Don't use it to provide financial advice to others. Don't misrepresent simulation results as professional financial guidance. If you're making real financial decisions, work with a qualified professional who understands your full situation.
Chubby is provided on a best-effort basis. The service may have downtime for maintenance, updates, or unforeseen issues. We don't guarantee uninterrupted access.
The Chubby name, branding, and code are owned by their respective operators and contributors. Chubby is open source — see the GitHub repository for license details.
We may update these terms from time to time. Continued use of Chubby after changes means you accept the updated terms. We'll note the last-updated date at the top of this page.
Questions about these terms? Email contact@chubby.fyi.
