Privacy Policy
Last updated: October 11, 2026
The short version: the numbers you enter into the calculator never leave your browser and are never stored. The site shows ads through Google AdSense, and Google uses cookies for that. You can opt out of personalized ads at any time.
Who we are
Debt Free Calc (debtfreecalc.xyz) is a free online tool that estimates how long it takes to pay off debts. This policy explains what happens to information when you use the site.
Your calculator data
Everything you type into the calculator, such as debt names, balances, interest rates and payments, is processed only inside your web browser on your own device.
- It is never sent to our servers or to anyone else.
- It is never stored, either by us or in your browser. When you close or refresh the page, it is gone.
- We do not ask you to create an account or give us your name or email address to use the calculator.
Advertising and cookies
We use Google AdSense to show ads on this site. This is how we cover the cost of running it for free.
- Google AdSense uses cookies to serve and measure ads.
- Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites.
- Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this site and other sites on the internet.
The information these cookies collect, such as your IP address, browser type and the pages you view, is handled by Google and its partners under their own privacy policies. We do not control those cookies and do not receive your personal details from them. You can read how Google uses data from partner sites at policies.google.com/technologies/partner-sites.
How to opt out of personalized ads
- Turn off personalized advertising in Google's Ads Settings.
- Opt out of some third-party vendors' use of cookies for personalized advertising at aboutads.info/choices.
- Block or delete cookies in your browser settings. The calculator keeps working without cookies, but you may still see ads that are not personalized.
Visitors in the EEA, UK and Switzerland
If you are visiting from these regions, you may be shown a consent message where you can accept or decline cookies used for advertising before any are set. You can change your choice at any time using that message or your browser settings.
Server logs
Like most websites, our hosting provider may keep standard server logs, such as IP address, browser type, and the time and page requested. These logs are used for security and to keep the site running, and are not linked to anything you enter in the calculator.
Links to other sites
This site may link to other websites. We are not responsible for their content or privacy practices, so please read their policies.
Children's privacy
This site is intended for adults and is not directed at children under 13. We do not knowingly collect personal information from children.
Not financial advice
The calculator gives estimates for general information only. It is not financial advice. Your lender's actual terms, fees and interest calculations may differ.
Changes to this policy
If we change how the site works, for example by adding other tools or services, we will update this page and change the date at the top.
Contact
Questions about this policy? Email contact@debtfreecalc.xyz.