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Privacy Policy

Last updated: September 2026

TheCalcNerd ("we", "us", "our") operates https://thecalcnerd.com. This policy explains what data we collect, why, and the choices you have. By using this site, you agree to the practices described here.

Information we collect

We use Google Analytics to understand aggregate traffic patterns — pages visited, approximate location (city/country level), device and browser type, and referral source. We do not require account creation, and every calculator on this site runs entirely in your browser: the numbers you type into a calculator are never transmitted to our servers or stored by us.

Cookies and similar technologies

We use cookies for two purposes: analytics (to understand how the site is used) and, once enabled, advertising (to serve and measure ads through Google AdSense). A cookie banner lets you accept or decline non-essential cookies on your first visit; your choice is remembered in your browser and can be changed at any time by clearing your browser's site data and reloading the page. You can also control or delete cookies directly through your browser settings.

Advertising and Google's role

This site may display ads served by Google AdSense and other Google advertising products. Google, as a third-party vendor, uses cookies to serve ads based on a user's prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to this site and/or other sites on the Internet. You can opt out of personalized advertising by visiting Google's Ad Settings, and you can learn more about how Google uses data when you use partner sites or apps at policies.google.com/technologies/partner-sites.

Your consent choices (EEA, UK, and Switzerland)

For visitors in the European Economic Area, the UK, and Switzerland, ad personalization and non-essential analytics cookies are only activated after you actively accept them in the cookie banner — by default, this site requests consent-restricted (non-personalized) delivery until you choose "Accept."

California privacy rights (CCPA/CPRA)

If you are a California resident, you have the right to know what personal information is collected about you and to opt out of its "sale" or "sharing" as those terms are defined under the CCPA/CPRA — advertising cookies used for personalized ads can constitute "sharing" under this definition. You can exercise this choice at any time using the cookie banner's "Reject non-essential" option or through your browser's cookie controls. We do not knowingly sell personal information for money.

Children's privacy

TheCalcNerd is a general-audience site not directed at children under 13, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can remove it.

Data retention and security

Analytics data is retained according to Google Analytics' standard retention settings and is used only in aggregate form. We do not maintain a database of user-submitted financial figures, since all calculations happen client-side in your browser.

Changes to this policy

We may update this policy as the site or applicable regulations change. The "last updated" date at the top of this page reflects the most recent revision.

Contact

Questions about this policy, or requests related to your data, can be sent via our contact page.

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Compound Interest Calculator Debt Snowball vs. Avalanche Emergency Fund Calculator Biweekly Mortgage Payoff Rent vs. Buy 50/30/20 Budget Calculator Student Loan Repayment Coast FIRE Calculator Net Worth Calculator Overtime Pay Calculator Car Affordability Calculator Retirement Catch-Up Calculator 401(k) Early Withdrawal Calculator Raise Take-Home Pay Calculator Self-Employment Quarterly Tax Calculator Mortgage Refinance Calculator Home Equity Loan & HELOC Calculator Credit Card Payoff Calculator Personal Loan Calculator Roth vs. Traditional IRA Calculator 529 College Savings Calculator HSA Contribution & Tax Savings Calculator Side Hustle & 1099 Income Tax Calculator

Guides

All guides Compound interest explained Debt snowball vs. avalanche How big should your emergency fund be Biweekly mortgage payments explained Rent vs. buy: how to decide 50/30/20 budget rule explained Student loan repayment strategies Coast FIRE explained Why net worth matters How overtime pay works How much car can you afford Retirement catch-up contributions explained What a 401(k) early withdrawal really costs Why a raise doesn't feel as big as it sounds Self-employment tax explained Mortgage refinancing: when it's worth it Home equity loan vs. HELOC The real cost of paying only the minimum What a personal loan origination fee costs Roth vs. Traditional IRA: the tax rate question 529 plans: the real cost of college The HSA triple tax advantage explained What to set aside for side hustle taxes

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