Privacy Policy

Last updated: May 19, 2026

About this site

Debt Reducing Calculator (debtreducingcalculator.com) is a free tool that helps you calculate how long it will take to pay off debt. It is operated by MoneyWise Calculators, a network of free online financial tools. This privacy policy explains what information is collected when you use this site, how it is used, and your rights regarding that information.

Information we do not collect

We do not collect, store, or transmit any financial data you enter into this tool. Debt balances, interest rates, payment amounts, and other values you type are processed entirely within your browser. Nothing you enter is sent to our servers, stored in a database, or shared with any third party. We do not require you to create an account or provide an email address to use this tool.

Cookies

This site uses cookies. Cookies are small text files stored on your device by your browser. We use cookies for the following purposes:

Analytics cookies -- placed by Google Analytics to help us understand how visitors use the site (pages visited, time on site, general geographic region). This data is aggregated and anonymous.
Advertising cookies -- placed by Google AdSense to serve relevant advertisements. These cookies may track your browsing across websites to show you ads that match your interests.

You can control or disable cookies through your browser settings. Disabling cookies will not prevent you from using the tool, but may affect how advertisements are displayed.

Google AdSense

This site displays advertisements served by Google AdSense, a service provided by Google LLC. Google AdSense uses cookies and similar tracking technologies to serve ads based on your prior visits to this website and other websites.

You may opt out of personalized advertising by visiting Google Ads Settings.

Google Analytics

This site uses Google Analytics to collect anonymous information about how visitors use the site. You can prevent Google Analytics from recognizing you by installing the Google Analytics Opt-out Browser Add-on.

Your rights

Because we do not collect personal information directly, we do not hold personal data that can be accessed, corrected, or deleted on request. For data held by Google through AdSense or Analytics, you can manage your preferences through Google Account settings.

Changes to this policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated date.

Contact

For privacy-related questions, you can reach us through MoneyWise Calculator.