Your financial inputs stay in your browser.

Effective October 26, 2026

Calculations run locally. Advertising is disabled.

Calculator memory and reports

AGI, tax-exempt interest, filing status, coverage and results stay in temporary browser memory. They are not submitted, put in URLs, saved in cookies, local storage or databases, or passed to advertisers. There is no account, analytics or financial upload endpoint. Refreshing resets inputs.

Browser Back and Forward may restore a previous calculator document, including its draft inputs, from the browser's back/forward cache. Refresh the calculator to clear its inputs before leaving a shared device.

Appearance preference

Light is the default theme. Choosing Light or Dark saves only that choice under the local storage key “irmaa-ui-theme” on this device, so it survives page navigation and refresh. No financial values are stored with it. If browser storage is blocked, the choice lasts for the current document.

Printing or saving a report creates a document under your control. Your browser, printer and any cloud printing destination follow their own settings. We cannot delete copies you retain.

Page requests and hosting

Public pages and assets are requested from the host. Ordinary connection information, including IP addresses, browser headers and timestamps, may be logged by that provider. No retention period is claimed until the production host and settings are selected. Referrer policy is no-referrer. Financial values are not included in page addresses.

Advertising and cookies

When enabled in a configured deployment, Google AdSense and partners may use cookies, device or online identifiers, IP addresses and page interactions to deliver and measure ads, prevent fraud and, where permitted, personalize advertising based on visits to this and other sites. DoubleClick and other Google technologies may be involved. These identifiers should not be described as anonymous.

Ad and consent-provider scripts are restricted to article documents. Opening an article from the financial workspace loads a separate document without calculator inputs or a financial report. An ordinary link back to the calculator starts fresh; browser Back may restore the earlier calculator from memory as described above. Financial inputs and results must never be used as targeting data, event parameters or URL values.

The current build loads no advertising or consent scripts: configuration is incomplete and ads are disabled. A publisher ownership meta tag and ads.txt declaration identify a publisher without executing advertising or writing cookies.

Consent and privacy choices

Where required, including the EEA, UK and Switzerland, advertising needs a Google-certified consent platform and an applicable published consent message. This site's informational drawer is not a certified CMP. The optional loader fails closed unless the configured provider reports the required explicit purpose and Google-vendor consents. The same conservative gate applies elsewhere. Denial, absence or uncertainty means no ad request.

Use “Privacy and cookie choices” in the footer. In a configured Google consent deployment, it reopens the provider's revocation message when available. Withdrawal reloads the advertising document to stop its runtime. It cannot retroactively erase information already processed by a third party.

Manage personalization at Google My Ad Center (opens in a new tab), read Google's advertising technology policy (opens in a new tab), or use the Network Advertising Initiative opt-out (opens in a new tab). Browser cookie settings provide additional controls. Opting out of personalization does not necessarily remove ads on other sites.

Contact drafts and external links

The contact form prepares text locally and downloads it on request. It has no transmission endpoint. A monitored contact address is pending; downloading a draft sends nothing. Do not include private financial or government identifying information.

External sources operate under their own policies. No embedded social widgets, remote fonts or third-party analytics are included.

Operator and updates

Public operator and contact details must be completed before launch. Use Contact and corrections when the public channel is available. Hosting or advertising records may require contacting the relevant provider; this site does not retain calculator figures.

Policy changes should describe actual deployed services and be dated. Read the editorial standards and terms. This page does not certify an unconfigured deployment as publication-ready.