Privacy Policy

• Analytics data: We use Google Analytics 4 and Microsoft Clarity to understand site traffic, page performance, and how the calculators are used. This may include IP address, device and browser details, pages viewed, time on page, and engagement metrics like clicks and scroll depth. Microsoft Clarity records anonymized session replays — input fields are masked so the values you type are not captured.
• Advertising and retargeting data: We use the Meta Pixel, Google Ads tag, Microsoft Advertising UET, and Reddit Pixel to measure marketing effectiveness and to show relevant ads on those platforms after you visit our site. These tools record page visits and custom engagement events such as which calculator you viewed, whether you completed a result, whether you engaged with an email signup form, and how many pages you viewed in a session. They do not receive content you type into calculators or signup forms.
• Account data: If you create an account, we collect your email address and profile information through our authentication provider (Clerk).
• Financial data: If you choose to connect a bank account through Plaid, we receive account balances, transaction history, and related financial data. Your bank credentials are never stored by Efficient Dollar — they are handled entirely by Plaid. See Plaid's privacy policy for details.
• Email submissions: When you submit your email to a waitlist or newsletter form, the email is sent to our server and stored for the product updates you signed up for. It is not shared with the advertising trackers above.

• To monitor site performance, improve the calculators, and understand which content is useful.
• To measure how visitors arrive and what they engage with, so we can prioritize the topics and tools to build.
• To show relevant ads about Efficient Dollar to visitors who have engaged with the site, on Meta (Facebook, Instagram), Google (Search, YouTube, partner sites), Microsoft (Bing, partner sites), and Reddit. This is called retargeting.

• Google Analytics, Google Ads, Meta, Microsoft Clarity, Microsoft Ads, and Reddit each set cookies to identify visitors across visits.
• A small amount of data is kept in your browser's local and session storage to count pageviews per session and recognize returning visits — for example, ed_page_count, ed_session_start, ed_first_visit, ed_session_count. These contain timestamps and counters only; no personal information.
• An ed_aid first-party cookie holds an anonymous identifier (a random UUID) so we can measure how visitors move through the site and the app at app.efficientdollar.com — for example, linking a calculator completion to a later newsletter signup, or seeing whether people who try the app go on to create an account. The same identifier is used in both places so one person is not counted twice. It contains no personal information. Activity inside the app is sent only to us; the advertising and analytics companies listed above are not used there.
• Some calculators keep your inputs in your browser's local storage so your work is still there when you come back. We don't receive those inputs.
• When you save a calculator result, that result is sent to us and stored on our servers — the number, which calculator it came from, and the date. You do not need an account for this. Without one, it is stored under an anonymous identifier held in an ed_gid first-party cookie, shared between efficientdollar.com and app.efficientdollar.com so your saved numbers appear in both. No name or email address is attached to it.
• Saved results are kept for up to two years. Clearing your cookies removes the identifier that connects you to them, and we cannot recover them afterwards — without an account there is nothing to look you up by. If you create an account later, the results already saved under that identifier are moved onto your account.

• You can block or delete tracking cookies in your browser settings.
• Browser-level tracking protection (Safari Intelligent Tracking Prevention, Firefox Enhanced Tracking Protection, Brave's built-in shields) blocks most or all of these trackers automatically.
• Ad blockers (such as uBlock Origin) block all of the advertising and analytics scripts above.
• You can opt out of personalized advertising at the Network Advertising Initiative and the Digital Advertising Alliance.
• Each platform also has its own ad preference controls — Meta, Google, Microsoft, and Reddit each let you adjust or disable personalized advertising in your account settings.

The site may link to external sites. Their privacy practices are their own; review their policies before sharing information.

We may update this policy to reflect changes to the site or analytics. The "Last updated" date above will show the latest version.