Privacy policy

1. Calculator inputs stay in your browser

The finance numbers you type into calculators are processed client-side in your browser. We do not require account creation, and we do not intentionally collect personal financial inputs such as balances, rates, income, rent, contribution amounts, or payoff plans through the calculator interface.

Calculator outputs are estimates for education and scenario planning only. They are not financial, tax, legal, credit, mortgage, insurance, or investment advice, and they are not guarantees of real-world results.

2. Information you choose to send

If you email us, we may receive your email address, message content, and any page details or assumptions you choose to include. Do not send sensitive personal financial information unless it is necessary for your question.

3. Basic infrastructure data

Like most public websites, hosting and security infrastructure may process standard request data such as IP address, user agent, referrer, requested URL, timestamps, and performance information. This helps deliver pages, prevent abuse, troubleshoot errors, and maintain reliability.

4. Advertising and third-party technology

utility.finance may use Google AdSense or other Google advertising services to support free access to the site. Third-party vendors, including Google, may use cookies, web beacons, IP addresses, local storage, 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 to users based on visits to utility.finance and/or other sites on the internet. Ads may be personalized when permitted by your settings and applicable law, or non-personalized using contextual information such as page content, approximate location, device type, or browser language.

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

5. Cookies, local storage, and consent

Cookies, local storage, or similar technologies may be used by advertising, hosting, browser, measurement, or security services. utility.finance does not intentionally use local storage to save calculator inputs, but Google advertising services or a future consent management platform may use local storage where permitted.

No Google-certified consent management platform is currently represented as active on this page. Personalized ads for users in the European Economic Area, the United Kingdom, or Switzerland should not be served until a Google-certified CMP that integrates with the IAB Transparency and Consent Framework is configured and verified. See our Cookie Policy for more detail.

6. How information is used

Operational data may be used to keep the site available, protect against abuse, understand aggregate performance, troubleshoot technical issues, measure advertising, and respond to support or correction requests. We do not use calculator inputs to build personal financial profiles.

7. Data sharing

We may rely on service providers for hosting, security, email, measurement, and advertising. These providers may process data under their own terms and privacy policies. We do not sell calculator inputs to lenders, brokers, or lead-generation marketplaces.

8. Data retention

Calculator inputs are not intentionally stored by utility.finance. Email messages and correction requests may be retained as long as needed to respond, maintain records, prevent abuse, or improve site accuracy. Hosting, security, and advertising providers may retain request, cookie, or measurement data according to their own policies.

9. Children and sensitive data

utility.finance is intended for general adult financial education. The site is not directed to children, and users should avoid sending sensitive personal, account, credit, tax, legal, or medical information through email.