The short version
Every calculator on this site runs entirely in your browser. The debt amounts, interest rates, and payments you enter are never sent to a server, stored, or seen by us. There's no account and no requirement to give us your name, email, or any personal information to use any tool here — which matters especially for something as personal as debt.
Information collected automatically
Like most websites, our hosting provider automatically logs standard technical information when you visit — things like your IP address, browser type, and the pages you request. This is normal web server activity used for security and performance, not something we personally review or use to identify individual visitors.
Cookies and advertising
This site may display ads served through Google AdSense. Google and its advertising partners use cookies to serve ads based on your visits to this site and other sites on the internet, which helps them show more relevant ads and limits repetition.
You can opt out of personalized advertising by visiting Google's Ads Settings, or opt out of third-party vendor cookies at aboutads.info. More detail is available at Google's advertising policy page.
Third-party links
Any links to outside sites (credit counseling organizations, reference material) are provided for convenience. We aren't responsible for the privacy practices or content of external sites once you leave ours.
Children's privacy
This site is not directed at children under 13, and we do not knowingly collect information from children.
Changes to this policy
If this policy changes, the update will be posted on this page with a revised date at the top.