Privacy

Sujeet Kumar, an individual based in India, is responsible for any personal data this site handles (the "data fiduciary" under India's Digital Personal Data Protection Act, 2023). To get in touch, use the feedback form.

Every calculation runs in your browser. The calculator does not send your savings, spending, age or holdings to any server. Two places your figures do appear:

• The web addressThe calculator writes your figures into the address so you can bookmark or share a plan. When a page is opened from an address like this, including the calculator button on the home page and the example plans, the address is sent to the host as part of loading the page and can appear in its standard request logs. It is not linked to your name. Page view counts are recorded without it.
• Your browser's local storageOne setting is saved on your device: whether you chose the light or dark theme. Nothing else. Clearing your browser data removes it.

• Anonymous page views, on the calculator pageThrough Vercel Web Analytics: the page address without your figures, your country, your type of device and browser, and the site you came from, so I can see how the calculator is used. It sets no cookies and does not build a profile of you.
• Standard request logsVercel, the host, records technical details of each request, such as your IP address, the address requested, your browser and the time, and keeps them for a limited period for security and to keep the site running.
• Feedback you choose to sendIf you use the feedback form, your message, and your email if you give one, are passed through a Vercel function to Resend, which emails them to me. Resend keeps a copy for a limited period as part of delivering it. The site itself stores nothing. I keep your message only to read it and reply, and delete it if you ask.

• No account or contact detailsNo name, phone number or address is ever asked for. Email only if you choose to leave one with feedback.
• No financial accountsThe calculator never asks you to connect a bank, broker or fund account.
• No cookiesNot for analytics, not for advertising, not for anything else.
• No advertisingThere are no ads on this site.

Nobody buys or receives data from this site. Two companies process it to run the site, each under its own privacy policy:

• Vercel Inc.Hosts the site, counts page views, and runs the feedback form.
• ResendDelivers messages sent through the feedback form.

Under the Digital Personal Data Protection Act, 2023, you can ask:

• What personal data is held about youAnd what it is used for.
• To correct or erase itIncluding any feedback message you sent.
• To withdraw consentFor anything you chose to share.
• To nominate someoneTo use these rights on your behalf.

The only personal data this site can hold about you is a feedback message you sent. To make any of these requests, or to raise a complaint, use the feedback form. If you are not satisfied with the reply, you can complain to the Data Protection Board of India.

This site is not directed at children and does not knowingly collect personal data from anyone under 18.

If this page changes, the date at the top changes with it.

This site provides a calculator for general educational use. It is not investment advice, it recommends no specific security, fund or scheme, and it is not registered with SEBI as an investment adviser or research analyst. Decisions you take based on it are your own.