Privacy policy

Last updated: 18 July 2026

Your financial data

Everything you type into the calculator — loan amount, interest rate, term, payment dates, extra-payment plans — is processed entirely on your device, inside your browser. It is never uploaded, transmitted, stored or seen by us or anyone else. The Excel, CSV and PDF files you download are generated on your device too. This is an architectural property of the site — it has no upload endpoint — and you can verify it yourself with your browser’s Network tab, or by building a schedule with your internet disconnected.

Saved inputs on your device

The calculator saves your inputs in your browser’s localStorage so your loan is there when you come back. That storage is on your device, controlled by your browser; clearing site data removes it, and it never syncs anywhere. On a shared computer, use a private window if you don’t want your numbers to persist — or press the calculator’s Reset button, which erases them.

What we do collect

Aggregate, cookieless page-view analytics (via Cloudflare Web Analytics), which tell us things like “the biweekly page was viewed N times” — with no cookies, no fingerprinting, no cross-site tracking and no profile of you. Our hosting provider (Cloudflare) additionally processes standard technical request data — IP address, user agent — to serve and secure the site, as any web host does.

What we don’t do

• No accounts, no email collection, no newsletters.
• No cookies set by us.
• No selling, sharing or brokering of any data — we have nothing to sell.

Advertising

The site currently shows no ads. If we introduce ads in the future to cover costs, this policy will be updated first, any legally required consent mechanism will be added, and one thing will not change: ads run on the page, not in the tool — your loan details stay on your device regardless.

Offline app

If you install AmortizeLocal as an app (or your browser caches it for offline use), the site’s files are stored on your device by your browser. That cache contains the calculator itself; your saved inputs live separately in your browser’s storage. Neither reaches us.

Contact

Questions about this policy: hello@amortizelocal.com.