Privacy Policy
Last updated: July 2, 2026
Your calculator data
Every calculation on CardsPayoff runs entirely in your browser using client-side JavaScript. The card names, balances, interest rates, and payment amounts you enter are never sent to any server, never stored in a database, and never seen by us. When you close or reload the page, that data is gone.
Cookies and local storage
We use your browser's local storage only to remember your dark mode preference. This is not used for tracking and contains no personal or financial information.
Analytics
We use Google Analytics to understand aggregate traffic, such as how many people visit the site and which pages are used. This tracks page views only — it does not include anything you type into the calculator. See Google's privacy policy for details on how Google handles this data.
Contact
Questions about this policy? Reach out via the contact page.