Calculator inputs stay on your device

Calculations happen in your browser. We do not operate an account system or database for calculator entries. We do not send your income, savings, benefit amounts or assumptions to a calculation server. We do not write calculator inputs to cookies or browser storage.

If you follow a projection link that carries a balance to another calculator, the value appears after the # in that link. This fragment stays in your browser and is not sent to the hosting server in an HTTP request. It may remain in browser history; review the URL before sharing it. Prefilled fragments are excluded from canonical URLs and the sitemap.

Optional Google Analytics and your choice

Google Analytics stays off until you allow it using the controls in the footer. Declining keeps Google Analytics from loading. If you allow it, Google Analytics uses first-party analytics cookies to measure visits, referral sources and device/browser information. Advertising consent, Google signals and advertising personalization remain disabled. Our code sends a page-view event with the canonical page address and only the referring website’s origin. It excludes query strings, URL fragments, calculator entries and calculation results.

The footer can turn analytics off at any time. Turning it off disables collection, removes Analytics cookies accessible to this site and reloads the page without Google Analytics. This stops future collection; it does not delete events already received by Google. We remember only your analytics choice and its expiration in local browser storage for up to 180 days. Analytics cookies are configured for a maximum 180-day lifetime. If your browser cannot save a choice, analytics stays off. Google receives routine network information when its script runs; see Google’s description of how partner sites use its services.

Google Analytics reports cover visitors who allow analytics and may be affected by blockers. They do not represent every site visit. Read Google’s information for partner sites for its data handling.

Hosting and optional Cloudflare analytics

If configured, Cloudflare Web Analytics uses a separate cookie-free beacon for aggregate website measurements. It does not track visitors across websites. Calculator forms do not send entries to that beacon. It is not loaded when its optional token is absent. Hosting providers may process routine request information such as IP addresses, browser details and requested paths to deliver and protect the website.

Future advertising and external links

Advertising spaces are currently empty placeholders. No AdSense script is loaded. If advertising is introduced, it may use cookies or similar technologies, subject to the chosen service and applicable requirements. This policy must be updated before that change is enabled.

Official agency links lead to external websites with their own privacy policies. Read our editorial policy, source register and 2027 IRMAA brackets for context. For corrections or privacy questions, use the editorial contact on the About page.