Privacy Policy

Template: review with an attorney before relying on it. Last updated October 31, 2026.

Summary

We do not sell or share your personal information. The calculator runs entirely in your browser. Debt details you enter are stored only in your browser's local storage and are never sent to us.

Information you choose to send

If you sign up for debt-payoff tips and check the consent box, we receive only your email address, your first name if you provide it, your consent, and the page you signed up on, through our form processor FormSubmit (formsubmit.co). We never receive your debt details or calculator results. We use your email to send tips and occasional offers, which may include affiliate links. You can unsubscribe or ask us to delete your information at any time by replying to any email.

Cookies, analytics, and advertising

We use Google Analytics, which sets cookies, to measure traffic and how the site is used (for example, pages visited and that a calculation was run). We don't send your debt details, dollar amounts, or email address to Google Analytics. You can opt out with the Google Analytics Opt-out Browser Add-on, and learn more at How Google uses information from sites that use its services.

We may show ads from Google AdSense or similar networks. These third parties may use cookies or similar technologies to serve and measure ads based on your visits to this and other sites. You can manage personalized ads at Google Ad Settings or aboutads.info.

Affiliate and advertising disclosure

Some links on this site are affiliate links. If you click one and apply for or obtain a product, we may earn a commission at no extra cost to you. Partners don't pay to influence our calculator results, and we aren't a lender or broker. Offers are subject to the partner's terms and approval.

Your rights

Depending on where you live (for example, California under the CCPA/CPRA), you may have rights to know, delete, or correct personal information and to opt out of sale or sharing. We don't sell or share it. To make a request, contact us.

Children

This site isn't directed to children under 13.

Contact

Use the email address on the plan email you received, or [add a contact email here].