Privacy
The short version: the calculators run entirely in your browser, your numbers never reach us, and there is no analytics, no advertising and no tracking on this site. The longer version is below, because a policy that only says "we value your privacy" tells you nothing.
Last updated September 27, 2026.
This site is published by Ziegler Services LLC, based in Philadelphia, Pennsylvania, which offers financial coaching as one of its services. "We" and "our" below mean the company.
What we don't do
There are no accounts and nothing to sign up for. We do not run analytics of any kind — no Google Analytics, no pixels, no heatmaps. We do not advertise, we do not sell or share anything about you, and this site sets no cookies of its own.
The calculators
Every calculator on this site does its arithmetic in your browser. The amounts you type — balances, income, debts, bills, dates — are never transmitted anywhere. There is no form to submit and no request that carries them. Close the tab and they are gone.
That is also why nothing is saved between visits: reload the page and you start from the defaults again. The exceptions are the HSA and 401(k) calculators. If you correct the contribution limits there, or the Social Security wage base, those figures — and only those figures, never your own numbers — are kept in your browser's local storage so the page still has them next time. They stay on your device, and clearing your browser's site data removes them.
Printing a worksheet to PDF happens inside your browser too. The file is generated by your own computer and never passes through us.
What our web host records
Like essentially every website, the server that delivers these pages keeps standard request logs: the IP address making the request, the time, the page or file asked for, and the browser's user agent string. These exist so the site can be kept running and secure. We do not use them to build any profile of you, and they are not combined with anything else.
No third parties
Everything this site loads comes from this site: the pages, the styles, the two typefaces, the calculators. There is no analytics, no advertising pixel, no embedded video, no font service. Your browser does not contact any other company while you are here, so nobody else learns that you visited or sees your IP address.
Some articles link out to other companies, and one of those links is a referral link that would earn us a commission — it is disclosed plainly where it appears. Following any outside link takes you somewhere with its own privacy practices, and ours stop at our edge.
If you contact us
If you email us or book a call, we keep what you send so we can answer you. That is ordinary correspondence rather than a database, and we do not add you to a mailing list you did not ask for.
Children
This site is meant for adults managing a household's money. It is not directed to children, and we do not knowingly collect anything from anyone under 13.
Your choices
Because we hold nothing about you, there is usually nothing to request, correct or delete. The figures the HSA and 401(k) calculators remember are on your device and under your control. If you have emailed us and would like that correspondence deleted, ask and we will delete it.
Changes
If this site ever adds something that collects data — a booking widget, a newsletter, a store — this page gets updated before that goes live, and the date at the top changes with it.
Contact
Questions about any of this: info@ziegler.services.