Privacy

Effective October 5, 2026.

Calculator data

Calculations run in your browser. This version does not send your calculator inputs to a server and does not request your name, email, address, or account details.

Device storage

When you choose “Save on this device,” the scenario is stored in your browser’s local storage. You can delete individual scenarios in the calculator or remove site storage through browser settings. Printing uses your browser’s print feature.

Hosting and external links

The hosting provider may process technical information such as IP addresses and request logs to operate and secure the site. Links to Keller Williams, WhatsApp, NJ government, and CFPB pages lead to external services with their own privacy practices. Phone and email links open your chosen apps. Calculator inputs are not automatically attached to messages. If you choose to contact Sam, the details you send are processed through the communication service you select.

Advertising and analytics

No advertising or analytics scripts are active in this version. If those services are added, this notice and applicable consent controls will be updated before activation.