The debts you enter into the calculator are stored only in your browser's local storage. They are never transmitted to our servers. Clearing your browser data removes them.
If you subscribe to our monthly digest, we store your email address solely to send that digest. We use double opt-in, never sell or share your address, and every email includes an unsubscribe link. You can request deletion at any time via the contact page.
This site is supported by Google AdSense. Google and its partners may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising at Google Ads Settings. In the EU/UK, personalized ads are only shown with your consent via the cookie banner.
We use privacy-friendly, cookie-less analytics to count page views and understand which pages are useful. No personal profiles are built.
Under GDPR and CCPA you may request access to or deletion of any personal data we hold (in practice: your email subscription, if any). Contact us via the contact page and we'll respond within 30 days.
Updated July 2026