Privacy Policy

Honestly, not much. Here's the breakdown.

Information You Provide

The only personal info we ever ask for is your email address, and only if you choose to sign up for our optional newsletter. You don't have to. Every tool on this site works without you ever giving us your name, email, or anything else. If you do subscribe, we use that email to send you what you asked for and nothing else.

Information Collected Automatically

We use Plausible Analytics to understand how people use the site. Plausible is cookieless by design — it doesn't track you as an individual, doesn't follow you across other sites, and doesn't store anything personally identifiable. What it does collect is aggregate stuff like page views, country-level location, device type, browser, and referral source. Think "500 people visited from the US today on mobile" rather than anything about you specifically.

We chose Plausible specifically because of this. There are cheaper analytics options that would collect a lot more about you. We didn't want that.

Calculator Data

Every calculation you run happens entirely in your browser. Nothing gets sent to our servers. We genuinely have no idea what numbers you're converting.

Just visiting this site doesn't drop any tracking cookies on your device. Zero. Plausible Analytics is cookieless, so there's nothing to consent to on our end.

Two things on the site can bring cookies in from outside, though:

Email signup forms: If you subscribe to our newsletter, the form is powered by Mailchimp or ConvertKit. Those platforms may set their own cookies once you interact with the form. Their policies govern that, not ours.

Affiliate links: When you click through to a tool or product we recommend, you'll often pass through an affiliate tracking system run by Commission Junction, Impact, ShareASale, or similar. These use cookies to record that you came from us, so we get credit if you buy something. Full details in our Affiliate Disclosure. You can avoid affiliate tracking entirely by not clicking them, or by running a browser extension that strips tracking parameters.

If you give us your email, we send you the newsletter you signed up for. That's it. Every email has a one-click unsubscribe. We don't share your address with other marketers or sell it to anyone.

The analytics data from Plausible tells us things like which pages people actually use and where they're coming from. It helps us figure out what's working and what isn't. Since it's all aggregated, we can see "the time conversion chart gets a lot of traffic" but we can't see you specifically looking at it.

We don't use any of this data for ad targeting, profiling, or automated decisions about you.

A few outside services help keep this site running. Here's who they are and what they actually touch.

Ads are how this site stays free. The networks that serve those ads use cookies and device identifiers to show you ads based on your browsing history across the web. Worth knowing before we go further.

When an ad loads here, the network behind it can collect your IP address, browser and device info, which pages you visited and for how long, and how you interact with ads. That data often gets tied to a profile they've built from your activity on other sites too. Once you're in their system, that's not something we control.

We may work with any of these platforms:

What They Actually Collect

The short version: IP address, browser, operating system, device type, screen size, which pages you visited and for how long, whether you clicked an ad, and demographic or interest profiles inferred from all of the above. If you use the same ad network on other sites, that activity gets rolled in too.

How to Opt Out

You have real options here. The industry provides these tools specifically for opting out of interest-based ads:

You can also turn on Global Privacy Control in a supported browser, run uBlock Origin, or just block third-party cookies in your browser settings. One note: opting out doesn't stop ads from showing up. It just means they're less targeted to your past browsing.

If You're in the EU or UK

GDPR requires us to get your explicit consent before loading ad cookies. When you first visit from the EU, EEA, or UK, you'll see a consent banner powered by a CMP certified under IAB Europe's TCF v2.2/v2.3 (the current standard as of early 2026). You can accept all, reject all, or pick individual vendors. You can change those choices any time.

If You're in California

Under CCPA, sharing your data with ad networks for targeted advertising can count as a "sale" or "sharing" of personal information. California residents can opt out of that. Use the consent tool, the NAI/DAA links above, or email us directly at [email protected].

Depending on where you live, you have legal rights over your data. These apply to you whether you're in the EU, California, or anywhere else:

To use any of these rights, email [email protected]. We aim to respond within 30 days.

Email addresses stay in our newsletter platform until you unsubscribe. Once you do, we suppress the address so it doesn't accidentally get re-added. Gone from active lists immediately.

Plausible's analytics data is aggregated from the start, so there's no individual record to delete. We keep historical aggregate stats indefinitely because they help us understand long-term trends on the site.

This site is built for adults doing payroll math. We don't knowingly collect data from anyone under 13. If you think a child has somehow submitted personal info to us, email [email protected] and we'll delete it right away.

This policy will change over time. When it does, we update the "Last Updated" date at the top of this page. If something significant changes, we'll try to let email subscribers know.

Staying on the site after a policy update means you're okay with the new version. If you check back here every once in a while, you'll always know where things stand.

Privacy question, data request, something doesn't look right? Email us. We read every message and respond within 30 days.