Privacy Policy

At CardDebtCalc, we take your privacy seriously. This policy explains what information we collect, how we use it, and the choices you have. Last updated: 2026.

Your Calculator Inputs Never Leave Your Device

All payoff calculations run locally in your browser. The card balances, interest rates, payment amounts, and any other numbers you enter into the calculator are processed entirely on your device and are never uploaded, stored, or transmitted to our servers. We cannot see your inputs, and there is nothing for us to sell, share, or lose.

Cookies for Preferences and Advertising

We use cookies to remember simple preferences (such as your cookie choices) and to support authorized advertising. Advertising partners may place cookies on your browser to serve and measure relevant ads based on your visits to this and other sites.

Google AdSense

This site uses Google AdSense to display advertising. Google and its partners may use cookies (such as the DoubleClick cookie) to serve ads based on your prior visits to this website and other websites across the internet. You may opt out of personalized advertising by visiting Google Ads Settings.

Analytics and Log Data

We may collect limited, aggregate analytics and standard log data (such as pages visited and browser type) to understand how people use the site and to improve it. This information does not include your calculator inputs and is not shared in a way that identifies you.

Your Choices

You can decline non-essential cookies using the banner, adjust your browser settings to block or delete cookies, and opt out of personalized advertising through Google Ads Settings. Declining cookies will not stop the calculator from working.

Children Under 13

CardDebtCalc is not directed to children under 13, and we do not knowingly collect personal information from them. If you believe a child has provided us with personal information, please contact us and we will take steps to remove it.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, so please review it periodically. Material changes will be highlighted here.

Contact Us

If you have questions about this Privacy Policy, please reach out via our contact page.