Privacy policy

Last updated: November 13, 2026

The short version

We don't ask for your name, email or phone number. The numbers you type into our tool are calculated on your own device.

What stays on your device

Your answers (balance, rate, how you describe your credit, how long you've had the card, and the monthly payment you pick) are saved in your browser's local storage so your plan is still there when you come back. You can clear it any time by clearing this site's data in your browser or tapping "Start over" at the bottom of your plan.

Analytics

We use privacy-friendly, cookie-free analytics provided by our hosting company to count page visits in aggregate (for example, how many people opened the tool). It does not identify you.

Partner links

When you click a partner offer, you go through a link-tracking service and then to the partner's website. Along the way the partner receives a click identifier and basic technical information (such as the page you came from, your device type and approximate location from your IP address) so the referral can be credited. We may add your answer categories (for example "debt $3,000–$7,000" or "credit: fair") to the link so we can see which options help people; we never add your exact numbers, name or contact details. Once you're on a partner's site, their privacy policy applies.

Selling data

We don't sell or share personal information, and we don't run ads that track you across other websites.

Children

This site is meant for adults 18 and older and isn't directed at children.

Changes

If this policy changes, we'll update the date above.