Payoff Ledger

Privacy Policy

Last updated: July 2026

This page explains what information Payoff Ledger collects, how it's used, and how third-party advertising works on this site.

How the calculator works

The mortgage payoff calculator on this site runs entirely in your browser. The numbers you enter — loan amount, interest rate, term, and extra payment — are never sent to a server, stored, or logged anywhere. Closing the page or refreshing clears everything.

Cookies and advertising

This site may display ads served by Google AdSense. Google and its partners use cookies to serve ads based on your prior visits to this site or other sites on the internet. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to this site and/or other sites.

You can opt out of personalized advertising by visiting Google's Ads Settings. You can also opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.

Third-party links

This site may link to external resources. We're not responsible for the content or privacy practices of external sites.

Analytics

This site may use standard web analytics tools to understand aggregate traffic patterns (e.g., number of visitors, pages viewed). This data is anonymized and not linked to any personal identity.

Children's privacy

This site is not directed at children under 13, and we do not knowingly collect personal information from children.

Changes to this policy

This policy may be updated periodically. Continued use of the site after changes constitutes acceptance of the updated policy.

Contact

Questions about this policy can be sent via the contact page.