Cookie Policy

Last updated: October 28, 2026. Short version: nothing runs until you press Accept. Decline, and the site works fully with zero tracking or advertising cookies.

Strictly necessary (always on, no cookies sent anywhere)

• Theme (spc-theme), language, and banner choice (spc-cookie) — stored in your browser’s local storage, never transmitted, deletable anytime via “clear site data.”

Analytics — Google Analytics 4 (only after Accept)

With your consent we load Google Analytics to count visits and see which calculators and guides are popular — no salary inputs are ever sent (all math runs in your browser). Google sets _ga (~2 years) and _gid (~24 hours) and may process truncated IP addresses on our behalf. Declining the banner disables analytics entirely.

Advertising — Google AdSense (only after Accept)

With your consent, Google AdSense may set advertising cookies such as _gads and IDE (up to ~13 months) to show relevant ads, limit how often you see the same ad, and measure performance. Google may use your prior browsing to personalize ads.

Your choices

• On this site: Decline the banner (or clear site data to reset your choice and be asked again).
• Ad personalization: Google Ad Settings, YourOnlineChoices (EU), DAA opt-out (US).
• Analytics opt-out everywhere: Google’s browser add-on.

Questions? Contact us. See also the privacy policy.