The calculations are based solely on information provided by you.All examples, if any, are hypothetical and for illustrative purposes only and do not represent current or future performance of any specific investment, nor do they reflect sales charges or other expenses that may be required for some investments. No representations, warranties or guarantees are made as to the accuracy of any projections or calculations.Voya Services Company shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of this calculator.This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and / or tax advisor when making decisions related to your individual tax situation.All investments carry a degree of risk and past performance is not a guarantee of future results.Generally speaking, the greater the return, the greater the risk.