The short version
- Calculations run in your browser. We don't collect or store your inputs.
- We use Google Analytics to count visits and clicks. It never receives the numbers you enter.
- In the EU, EEA, UK and Switzerland, analytics cookies are only set if you accept them. You can change your choice any time.
- There are no ads, and no advertising or social media trackers.
- Your browser remembers two settings: your currency and your cookie choice.
- Our host, Cloudflare, processes standard request data to deliver the site.
What happens to the numbers I enter?
They stay on your device. Every calculation, including the 2,000-run Monte Carlo simulation and the historical backtest, runs as JavaScript in your browser. Nothing you type is sent to a server, and we have no database of user inputs.
To make results easy to bookmark and share, the calculators copy your inputs into the page address (the part after the “?”). That address lives in your browser. It only leaves your device if you share the link, or if you reload or open it, in which case it is sent to our host as part of the normal page request, like any web address.
What do we store on my device?
Two settings, in your browser's local storage. If you change the currency, we save that choice (under the key fcp-currency) so the next calculator opens in the same currency. If you answer the cookie banner, we save your answer (under fcp-consent) so we don't ask again. Neither leaves your device, and you can remove both by clearing this site's data in your browser.
Google Analytics sets its own first-party cookies (named _ga and _ga_ followed by an ID) to tell a returning browser from a new one. They are covered in the analytics section below. Cloudflare, which hosts the site, may also set a strictly necessary security cookie if it needs to check that a visitor is not an automated bot. It is not used for advertising or to track you across sites.
What does our hosting provider see?
The site is hosted on Cloudflare. Like any web host, Cloudflare processes standard request information to deliver and protect the site: your IP address, browser type, the page address you requested and the time. We may review these operational logs for a short period to fix errors and keep the site running. We do not use them to identify or profile visitors, and we do not sell or share them. Cloudflare's own handling is described in its privacy policy.
Do you use analytics, ads or tracking?
We use Google Analytics 4, loaded through Google Tag Manager, to see which pages and calculators people use, so we know what to improve. There are no ads, no advertising networks and no social media trackers.
What Google Analytics receives: the pages you view, how far you scroll, links you follow to other sites, your approximate location (country and city, derived from your IP address, which Google says GA4 does not store), your device and browser type, the site that referred you, and a few actions on our pages: that you changed a calculator input (not which input or what you entered), copied a share link, downloaded a CSV, reset a calculator, switched a chart to its table, changed the currency, opened an input section or an FAQ answer, or clicked a link to a calculator. The share link and CSV themselves are never sent. We do not use Google Signals, advertising features or user IDs, and we never send names, emails or financial details.
Consent: in the EU, the EEA, the UK and Switzerland, analytics cookies stay off unless you click “Accept” in the cookie banner. Until then, Google receives only cookieless signals that cannot recognise you on a later visit (Google's Consent Mode). Everywhere else, analytics cookies are on by default. Wherever you are, “Cookie settings” at the bottom of every page lets you accept or decline, and declining stops analytics cookies from then on. You can also block them with your browser settings or Google's opt-out add-on.
Google processes this data for us as described in its explanation of how it uses data from sites that use its services. Where the law requires a legal basis, ours is your consent in consent countries and our legitimate interest in understanding how the site is used elsewhere. We only look at aggregated reports.
What about links to other sites?
Our sources link to government agencies, researchers and publishers. When you follow one, that site's own privacy policy applies.
Children's privacy
The site is meant for adults planning their finances and is not directed at children under 13. We do not knowingly collect any data from them.
Your rights
We hold no account, email list or database about visitors, and Google Analytics data is tied to a random cookie ID rather than to your name. You can withdraw analytics consent at any time with “Cookie settings” at the bottom of the page, and clear the cookies in your browser to start fresh. If you are in the EU, EEA or UK you also have the right to ask about data held about you and to complain to your data protection authority; email us and we will help as far as the data allows.
How can I contact you?
Email iamkashifcs@gmail.com with questions about this policy or to report an error. If you write to us, we receive your email address and whatever you include in the message. We use them only to reply and to fix what you report, and we never sell or share them.
Changes to this policy
If anything here changes, we will update this page and its effective date. This version took effect on November 12, 2026. See also our terms of use.