Privacy

Right-click → View Source. We have no backend.

Everything you enter into the calculator stays in your browser. There's no server taking your numbers and no email signup. The page is static HTML + JavaScript served from Vercel's CDN; the calculator runs entirely on your device. Anonymous site-usage and performance data is handled separately as described below.

What we collect

• Anonymous page views via Vercel Analytics and our self-hosted Umami service. Umami is configured not to retain URL search parameters.
• Anonymous performance metrics via Vercel Speed Insights — page load times, layout shifts. Cookieless.
• Interaction patterns via Microsoft Clarity, such as clicks and scrolling. Microsoft masks input boxes and dropdowns so calculator entries are not included in recordings.

What we don't collect

• Your name, email, phone, or any contact info — there's no form for it.
• Your income, family details, or calculator inputs — these never leave your browser.
• Advertising profiles or email-marketing profiles.

What we don't do

• Sell personal information.
• Send marketing emails (no list).
• Run ads.
• Link to daycare providers, banks, or financial-advisor lead-gen pages.

Contact

Questions about anything on this page — or about an inaccuracy in the math — go to the email address on the about page.