Privacy

Privacy Policy

This Privacy Policy explains what information WalletCalcs collects, how it's used, who it's shared with, and what choices you have. We've written it in plain English because privacy policies that no one can read are not really privacy policies.

Effective date: May 16, 2026. This policy applies to walletcalcs.com and all subdomains. By using the site, you agree to the practices described here.

Quick summary

The short version: WalletCalcs is a personal finance calculator and content site. We do not sell your data. Calculator inputs are processed in your browser and not transmitted to our servers. We do use Google Analytics to understand site usage and Google AdSense to support the site through advertising, and these services use cookies. You can decline cookies through the banner shown on your first visit, and you have rights under GDPR (if you're in the EU/UK) and CCPA (if you're in California) that we honor.

The longer version follows.

Information we collect

Information you provide voluntarily

When you sign up for the newsletter or use the contact form, you provide your email address (newsletter) or your name, email, and message (contact). This information is collected only when you actively submit it through a form on the site.

Calculator inputs

The numbers you enter into a calculator — income, expenses, loan amounts, savings balances, and similar — are processed entirely in your browser. They are not transmitted to WalletCalcs servers and we do not store them. When you close the tab, the values are gone unless you've used the browser's "print summary" or "email summary" features, both of which you initiate manually.

Information collected automatically

When you visit any page, certain information is collected automatically through cookies and similar technologies. This includes your IP address, browser type and version, operating system, device type, pages viewed, time spent on pages, referring website, approximate geographic location (country/region level), and the dates and times of your visits. This information is used in aggregate to understand how the site is used and to improve the content and tools.

Cookies and similar technologies

A cookie is a small text file that a website places on your device to remember information about your visit. WalletCalcs uses cookies for the following purposes:

Essential cookies. Required for the site to function. These include cookies that remember your cookie consent choices and (optionally) your theme preference.
Analytics cookies. Set by Google Analytics to measure site traffic and usage. These cookies help us understand which pages are popular, how visitors move through the site, and where improvements are needed.
Advertising cookies. Set by Google AdSense to deliver and measure advertisements. These cookies enable Google to show ads based on prior visits to WalletCalcs and other websites.

Cookie consent

On your first visit, a banner appears at the bottom of the page asking whether you accept or decline cookies. We use Google Consent Mode v2, which means analytics and advertising cookies are denied by default until you actively accept. If you decline, only essential cookies are used and the site continues to function normally (with non-personalized advertising). You can change your cookie preferences at any time by clearing your browser's site data for walletcalcs.com.

Third-party cookies

Google Analytics and Google AdSense are third-party services that set their own cookies. Their use of cookies is governed by Google's privacy policies, available at policies.google.com/privacy. You can opt out of personalized advertising from Google by visiting adssettings.google.com.

How we use information

Information collected through WalletCalcs is used for the following purposes:

To operate, maintain, and improve the site and its calculators.
To send the newsletter to people who have actively subscribed.
To respond to inquiries submitted through the contact form.
To understand how the site is used through aggregate analytics.
To serve advertising that supports the site (including non-personalized advertising for users who decline cookies).
To comply with legal obligations and protect against fraud or abuse.

WalletCalcs does not use your information for any other purpose. We do not sell, rent, or trade personal information to third parties.

Third-party services we use

Google Analytics

We use Google Analytics 4 to measure site traffic, understand visitor behavior, and improve the content. Google Analytics may collect information such as page views, session duration, device type, and approximate geographic location. This data is processed according to Google's terms and is used in aggregate, not to identify individual visitors. You can opt out of Google Analytics across all sites by installing the Google Analytics Opt-out Browser Add-on.

Google AdSense

WalletCalcs displays advertising through Google AdSense. Google may use cookies and similar technologies to deliver ads based on prior visits to WalletCalcs and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on user visits to various sites. You can opt out of personalized advertising by visiting Google Ads Settings, or by visiting aboutads.info to opt out from many advertising networks at once.

Formspree

Newsletter signups and contact form submissions are processed through Formspree, a form-handling service. When you submit a form, your email address (and message, for contact form submissions) is sent to Formspree, which forwards it to WalletCalcs. Formspree's privacy practices are available at formspree.io/legal/privacy-policy.

Hosting and infrastructure

WalletCalcs is hosted on standard web hosting infrastructure. Server logs include standard information such as IP addresses and request times, retained for security and debugging purposes, typically for 30-90 days.

Your rights and choices

For all users

Newsletter: You can unsubscribe from the newsletter at any time using the unsubscribe link in every email. Unsubscribing removes your email from the active list.
Cookies: You can decline cookies through the banner shown on first visit, or manage cookies through your browser settings at any time.
Personalized advertising: You can opt out of personalized ads through Google Ads Settings.

For EU, EEA, and UK residents (GDPR)

If you are located in the European Union, European Economic Area, or the United Kingdom, the General Data Protection Regulation (GDPR) gives you the following rights regarding your personal data:

Right of access: Request a copy of the personal data we hold about you.
Right to rectification: Request that inaccurate or incomplete data be corrected.
Right to erasure (right to be forgotten): Request that we delete your personal data.
Right to restrict processing: Request that we stop processing your data in certain circumstances.
Right to data portability: Request your data in a portable format.
Right to object: Object to processing based on legitimate interests, including direct marketing.
Right to lodge a complaint: File a complaint with your local data protection authority.

To exercise any of these rights, contact us using the information in the "Contact" section below.

For California residents (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) give you the following rights:

Right to know: Request information about the categories and specific pieces of personal information we collect.
Right to delete: Request deletion of your personal information.
Right to correct: Request correction of inaccurate personal information.
Right to opt-out of sale or sharing: WalletCalcs does not sell personal information in the traditional sense. However, the use of advertising cookies may be considered "sharing" under CPRA. You can opt out by declining cookies through the banner on first visit.
Right to non-discrimination: We will not discriminate against you for exercising your rights.

To exercise California rights, contact us using the information below. You may also designate an authorized agent to make a request on your behalf.

Children's privacy

WalletCalcs is not directed at children under 13 and we do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that a child under 13 has provided personal information to us, please contact us and we will delete the information from our records.

For users between 13 and 16 in jurisdictions where parental consent is required for processing personal data of minors, parental consent is required for newsletter signup and use of advertising cookies.

Data security

We use reasonable administrative, technical, and physical safeguards to protect personal information against loss, theft, and unauthorized access. The site uses HTTPS encryption for all data transmission. However, no method of internet transmission or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data retention

Personal information is retained only as long as necessary to fulfill the purposes for which it was collected:

Newsletter subscriptions: Until you unsubscribe.
Contact form submissions: Up to 24 months after the last communication, unless retained longer for legal or business reasons.
Analytics data: Retained according to Google Analytics retention settings, typically 14 months by default.
Server logs: Typically 30-90 days for security and debugging.

International data transfers

WalletCalcs is operated from the United States. If you access the site from outside the United States, your information may be transferred to, stored in, and processed in the United States. By using the site, you consent to this transfer. We rely on appropriate safeguards (such as standard contractual clauses) for transfers of personal data outside the EU/EEA where required.

Updates to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or services we use. Material changes will be communicated through a notice on the site. The "effective date" at the top of this policy indicates when it was last updated. Continued use of the site after an update constitutes acceptance of the revised policy.

Contact

If you have questions about this Privacy Policy, want to exercise any of the rights described above, or have a privacy-related concern, contact us through the contact page. We respond to privacy inquiries within 30 days, or sooner where required by law.