← Home

Disclaimer

Last updated: 25 March 2026

General advice warning

This tool provides modelled outcomes only. It is not financial advice.

The information provided by Let's Siesta has been prepared without taking into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for your circumstances before acting on it.

You should seek independent legal, financial, taxation, or other professional advice before making any financial decisions based on the Tool's outputs.

No financial services licence

Let's Siesta is operated by Alpine Code (ABN 83 774 179 276). We do not hold an Australian Financial Services Licence (AFSL). The Tool is not a financial product or service under the Corporations Act 2001 (Cth).

We do not provide personal financial advice, product recommendations, or specific courses of action. No output of the Tool should be interpreted as a recommendation to buy, sell, or hold any financial product. We do not name, endorse, or promote any specific superannuation fund, insurance product, or financial service.

Calculation methodology

All calculations are based on current Australian tax rates, superannuation rules, Age Pension thresholds, and deeming rates as published by the Australian Taxation Office (ATO) and Services Australia at the time of use.

Rates and thresholds are updated periodically to reflect legislative changes. However, there may be a delay between when rates change and when the Tool is updated. We make reasonable efforts to keep calculations current but do not guarantee that the Tool reflects the very latest rates at all times.

Limitations of projections

All projections are modelled estimates based on the information you provide and the assumptions built into the Tool. Actual outcomes will differ due to factors including but not limited to:

  • Changes to tax rates, superannuation rules, or pension thresholds
  • Investment market performance and returns
  • Changes to your personal circumstances (employment, health, relationships)
  • Inflation and cost of living changes
  • Factors the Tool does not model (e.g. insurance, debt, capital gains, defined benefit schemes)

You should not rely solely on the Tool's outputs for financial decision-making.

No guarantees

The Tool is provided “as is” without warranties of any kind. We do not guarantee the correctness, completeness, or currency of any output. Results are illustrative only and should be used as a starting point for discussions with a qualified financial adviser, not as a substitute for professional advice.

Data sources

The Tool's calculations draw on publicly available data from:

  • Australian Taxation Office (ATO) — marginal tax rates, LITO, Medicare levy, superannuation guarantee, concessional and non-concessional contribution caps
  • Services Australia — Age Pension rates, assets test thresholds, income test thresholds, deeming rates

We are not affiliated with, endorsed by, or connected to any government agency.

Contact

If you have questions about this Disclaimer, please contact us at contact us via our website.

See also: Terms of Service · Privacy Policy