Privacy policy

Last updated October 2026.

What we collect

The calculators run in your browser. The amounts you type in are not sent to our servers or stored by us. Your currency choice is saved in your own browser so it is remembered next time.

Like most websites, we may collect basic visit information such as pages viewed, device type and approximate location, using an analytics service. This helps us see which calculators are useful.

Cookies, adverts and affiliate links

If we show adverts, our advertising partners, including Google, may use cookies to show ads based on your visits to this and other sites. You can learn about and manage personalised ads in your Google ad settings. If you click an affiliate link, the partner site may set its own cookies so we can be credited for the referral.

Sharing

We do not sell your personal information. The WhatsApp share button only opens WhatsApp with a message you can edit before sending.

Your choices

You can block or delete cookies in your browser settings. Some features of third-party sites may not work without them.

Contact

Questions about this policy? Write to hello@sumtoolkit.com.

Estimates only. These calculators give a guide and are not financial, tax or legal advice. Tax figures use the Nigeria Tax Act 2025 rates effective January 2026. Loan and savings results depend on your lender's or provider's exact terms. Check details with the lender, your employer, a qualified adviser or the relevant authority before you decide.