Your numbers stay on your device

The short version

No account. No email. When you use a calculator, your numbers are computed in your browser and — only if you allow it — remembered on your device. They are never uploaded to a server, sold to lenders, or sent to an advertiser. There is literally no backend that could receive them. What this page does not claim is that no third party is involved at all: if you accept ads, Google's advertising cookies operate on this site like any other. The section below sets out exactly what that means.

What we store, and where

If you accept storage, your "money profile" (the figures you enter, like income or home price) is saved in your browser's local storage under a single key. That data stays on the one device and browser you used. We keep one tiny cookie — fh_consent — that records only your yes/no choice, so we can honor it and not ask again. That one choice governs both on-device storage and advertising. It contains no personal or financial information.

You're in control

You can decline storage entirely and every calculator still works — it just won't remember anything between tools. You can open Cookie preferences (in the footer) at any time to change your mind. Declining after accepting immediately deletes your saved profile from this device. You can also clear or export your profile from the profile drawer.

Advertising

This site carries display advertising from Google AdSense, which is how the calculators stay free. Ads load only if you accept on the consent banner. If you decline, or have not yet chosen, the advertising script is never loaded at all — no ad request is made and no advertising cookie is set.

When ads are enabled, this happens:

• Third parties place and read cookies. Google and its partners use cookies to serve ads based on your prior visits to this site and to other sites on the internet.
• They also use web beacons, your IP address, device and browser information, and similar identifiers to select and measure ads.
• They receive the address of the page you are on. That is unavoidable for any ad on any site. It is why this site no longer writes your calculator inputs into the page address — see below.
• Requests go to pagead2.googlesyndication.com, googleads.g.doubleclick.net and related Google ad domains.

You can review how Google uses information from sites that use its services at policies.google.com/technologies/partner-sites, and you can turn off personalised advertising entirely at My Ad Center. Opting out of personalised ads does not remove ads; it makes them non-personalised. If you have not accepted on our banner, none of this arises — no advertising script loads and no ad request is made at all.

Your inputs and the page address

Calculators used to mirror what you typed into the page address, so a salary could end up looking like ?salary=95000 in the address bar. A page address is not private — it is sent to the ad network with every ad request, and it is stored in your browser history and in any link you share.

That behaviour has been removed. Your inputs stay in the page and are not written to the address bar. If you deliberately use a Copy link button, the link is built at that moment and contains the figures you chose to share — that one is your decision, and the resulting link should be treated like any other document containing your numbers.

Analytics

This site uses Google Analytics 4 to measure aggregate traffic — which pages are visited, and how often. Like advertising, it loads only after you accept on the consent banner; decline and it never loads, and if you later withdraw consent it is disabled again. It sets _ga cookies to tell visits apart. It measures pages, not people’s finances: the figures you type into a calculator are never sent to it. You can also block Google Analytics in any browser with Google’s opt-out add-on.

Why we do it this way

Personal-finance calculators are a classic place for data brokers to capture leads and sell them. We think a money tool earns trust by being useful and by not harvesting you. Keeping your data on your device isn't a limitation — it's the point.

Questions? See contact or the disclaimer.