We do not collect your income, debt, or any financial figures you enter into this calculator. All calculations run locally in your browser using JavaScript. Nothing you type is transmitted to us or stored anywhere outside your device.
We use Google AdSense to display advertisements. Google may collect anonymous data about your visit including pages viewed, time on site, and general location. Google does not receive the specific numbers you enter into the calculator. You can review Google's privacy policy at google.com/policies/privacy.
This site does not set its own cookies. Google AdSense may set cookies for advertising purposes. You can manage or disable cookies through your browser settings.
We may use Cloudflare analytics to understand general traffic patterns such as which countries visitors come from and how many people visit the site. This data is aggregated and anonymous. No personal information is collected.
This site uses Google AdSense for advertising and Cloudflare for hosting and security. Both services have their own privacy policies which govern their data practices.
This site is not directed at children under 13. We do not knowingly collect information from children.
We may update this policy from time to time. The date at the top of this page shows when it was last updated.
If you have questions about this privacy policy please contact us at clarityhousestudio@gmail.com
When you enter your income and debt figures into this calculator, those numbers are processed entirely in JavaScript running in your browser. They are not sent to any server, stored in any database, or logged in any way. When you close the browser tab or navigate away, the data is gone permanently. We have no technical mechanism to retrieve it.
This is a deliberate architectural choice. Financial data is sensitive. Your income, your debt obligations, and your DTI ratio are private information that you should not have to share with a web service just to perform a calculation. We designed this tool so the calculation happens on your device, not ours.
This site displays advertisements served by Google AdSense. Google AdSense uses cookies to serve ads based on your prior visits to this and other websites. These cookies are set by Google, not by us. We do not control which specific cookies Google sets or how long they persist.
The standard cookies Google AdSense may set include __gads and __gpi for ad delivery and frequency capping, NID for ad personalization preferences, and CONSENT for tracking consent status. You can opt out of personalized advertising by visiting google.com/settings/ads. Opting out does not remove ads from the page - it affects whether ads are personalized to your interests.
Chrome: Go to Settings, then Privacy and Security, then Cookies and Other Site Data. Firefox: Go to Preferences, then Privacy and Security, then Cookies and Site Data. Safari: Go to Preferences, then Privacy. Edge: Go to Settings, then Cookies and Site Permissions, then Cookies and Site Data.
We use Google Fonts to load the typefaces used on this site. Google Fonts may log the request including your IP address and browser type. We use Google AdSense for advertising as described above. We do not use any analytics services, tracking pixels, social media widgets, or other third-party services that collect data about your visits to this site.
Our web hosting provider automatically logs standard request data including IP addresses, browser types, pages accessed, and timestamps. This data is retained for security and diagnostic purposes only. We do not analyze this data commercially or share it with third parties beyond what is required for hosting operations. This log data is not linked to any personal identity or to the financial figures you enter into the calculator.
This site is not directed at children under 13. We do not knowingly collect any information from children under 13. If you are a parent or guardian and believe your child has used this site in a way that raises privacy concerns, contact us at clarityhousestudio@gmail.com.
Since we collect no personal data through the calculator, there is nothing to access, correct, or delete. If you have a privacy concern about any aspect of this site, contact us at clarityhousestudio@gmail.com and we will respond within 5 to 7 business days.
When you use the share buttons, the text is generated locally in your browser from your calculation result. We do not see what you share, who you share it with, or when you share it. The sharing action is initiated directly between your browser and the messaging platform you choose. We have no involvement in or visibility into that communication.
We may update this privacy policy from time to time. When we make material changes we will update the date shown on this page. Your continued use of this site after changes are posted constitutes your acceptance of the updated policy. Contact us at clarityhousestudio@gmail.com with any questions. Published by Clarity House Studio. Last updated July 2026. All rights reserved.
We do not use your calculator inputs for research, benchmarking, or aggregate analysis because we never receive them. The only anonymized data we could potentially access is standard web server log data, which shows page visits, browser types, and geographic regions at the country level. We do not use this data for commercial purposes or share it with third parties for marketing. If we ever change this practice, we will update this privacy policy and post a notice on the site.
This site is accessible globally and welcomes visitors from all countries. Our privacy practices as described in this policy apply equally to all visitors regardless of location. Because we collect no personal data through the calculator, the privacy regulations of your specific country - including GDPR in the European Union, PIPEDA in Canada, PDPA in Thailand, and POPIA in South Africa - do not impose obligations beyond those we already follow as a matter of design. If you have specific privacy rights under your local law that you believe require a response from us, contact us at clarityhousestudio@gmail.com and we will address your request.
We believe you have the right to understand exactly how any tool that handles your financial inputs works. If you have questions about our technical architecture, our data practices, or any aspect of this privacy policy that is not clearly explained here, contact us at clarityhousestudio@gmail.com. We will respond in plain language within 5 to 7 business days. Financial privacy matters and we are committed to maintaining the trust of every user who chooses to use this calculator. Copyright 2026 Clarity House Studio. All Rights Reserved.