Cookie policy

Calculator inputs

Calculator inputs are processed in the browser. utility.finance does not require sign-in and does not intentionally collect personal financial inputs through the calculator forms.

Calculator results are educational estimates only. They are not financial, tax, legal, credit, mortgage, insurance, or investment advice, and they are not guarantees of any outcome.

Advertising cookies and Google advertising cookies

We may use Google AdSense or other Google advertising services. Third-party vendors, including Google, may use cookies or similar technologies to serve ads based on a user's prior visits to this website or other websites.

Google's use of advertising cookies enables Google and its partners to serve ads based on visits to utility.finance and/or other sites on the internet. Google may serve personalized ads when permitted by user settings and applicable law, or non-personalized ads based on contextual information such as page content, approximate location, device type, or language.

Learn more about Google ad technology at policies.google.com/technologies/ads. You can manage Google ad personalization at Ads Settings or opt out of some third-party vendors' personalized advertising cookies at aboutads.info/choices.

Local storage and consent

utility.finance does not intentionally use local storage to save calculator inputs. Google advertising services, browser features, security providers, or a future consent management platform may use cookies, local storage, or similar technologies where permitted.

No Google-certified consent management platform is currently represented as active on this site. Personalized ads for traffic from the European Economic Area, the United Kingdom, or Switzerland should wait until a Google-certified CMP integrated with the IAB Transparency and Consent Framework is configured and verified.

Site operations

Hosting, security, measurement, and advertising providers may process request data such as IP address, user agent, referrer, requested URL, timestamps, cookie identifiers, or similar identifiers to deliver pages, prevent abuse, monitor reliability, limit ad frequency, and measure advertising.

Your controls

You can manage cookies through your browser settings, device settings, Google Ads Settings, and applicable third-party opt-out tools. Blocking some technologies may affect advertising or site measurement, but calculators are designed to remain usable without an account.