Privacy Policy

The short version

Your financial inputs never leave your device. Every calculation on this site runs locally in your browser — nothing you type into the calculator is transmitted to us or stored on any server. There are no accounts, and we never ask for your name, email, income, or any other personal information.

What we do collect

Like most websites, we use analytics to understand aggregate usage — which pages are visited, roughly where visitors come from, and how the site performs. Specifically, this site may use:

• Google Analytics 4 — anonymous usage statistics (page views, session duration, approximate geography based on IP, device type). IP addresses are not logged or made available to us.
• Microsoft Clarity — anonymized session replays and heatmaps that help us improve usability. Clarity masks text inputs by default.

Advertising

This site is supported by advertising. We use Google AdSense, which may use cookies (including the DoubleClick cookie) to serve ads based on your prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your browsing history. You can opt out of personalized advertising at Google Ads Settings, and learn how Google uses data at policies.google.com/technologies/partner-sites. Third-party vendors may also serve cookies for measurement; you can opt out of many third-party advertising cookies at aboutads.info/choices.

Cookies

We set no cookies of our own. Cookies on this site come only from the analytics and advertising services described above. Most browsers let you block or delete cookies in their settings; the calculator works fully with all cookies blocked.

Shared links

If you use the "share" feature, your calculator inputs are encoded into the link itself (for example ?pp=500000&dp=20) so the recipient sees the same scenario. Those numbers exist only in the URL you choose to share — sharing is entirely under your control.

Data requests and questions

Because we hold no personal data, there is nothing for us to export or delete. For any privacy question, contact us via the contact page.

Changes

If our data practices change, this page will be updated and the date above revised. Material changes (for example, adding a new analytics provider) will be reflected here before they take effect.