Sunset Guardian
All calculators

Savings and Growth

CAGR Calculator Compound Interest Calculator Rule of 72 Calculator Inflation Calculator Investment Fee Calculator Savings Goal Calculator How Long Will Savings Last Calculator Emergency Fund Calculator

Debt and Credit

Pay Off Debt or Keep Cash Credit Card Payoff Calculator Balance Transfer Calculator Debt Payoff Strategy Calculator Debt-to-Income Ratio Calculator

Home and Mortgage

Mortgage Extra Payment Calculator Mortgage Recast Calculator Mortgage Escrow Shortage Calculator Mortgage Refinance Break-Even Calculator Mortgage Payoff vs. Invest Calculator Mortgage Points Break-Even Calculator Loan-to-Value (LTV) Calculator
All guides

Savings and Growth

CAGR, Compound Interest, and Rule of 72 Inflation, Investment Fees, and Savings Goals How Much Does a 1% Investment Fee Cost? How Long Can You Live on Your Savings? How Much Should You Keep in an Emergency Fund? Emergency Fund With Variable Income

Debt and Credit

Pay Off Debt or Keep Cash? How Much Should You Pay on a Credit Card? Is a Balance Transfer Worth It? Debt Avalanche vs. Debt Snowball How to Calculate Your Debt-to-Income Ratio What Debts Count in Your Debt-to-Income Ratio? Does Paying Off a Credit Card Lower Your DTI? Does Buy Now, Pay Later Cost More?

Home and Mortgage

Do Extra Mortgage Payments Save Money? One Extra Mortgage Payment a Year How Many Years Can Extra Payments Take Off? Why Did My Fixed-Rate Mortgage Payment Go Up? Should You Recast Your Mortgage? When Does Refinancing a Mortgage Make Sense? Pay Off the Mortgage or Invest? Should You Buy Mortgage Points? Loan-to-Value Ratio (LTV): What It Means
Search

Site information

Privacy Policy

Effective July 28, 2026

Sunset Guardian respects your privacy. This page explains what information may be collected when you visit this website and how that information is used.

Information collected automatically

Sunset Guardian uses analytics services to understand which pages are visited, how visitors find the site, and how well the site performs.

Cloudflare Web Analytics

Cloudflare Web Analytics provides information such as page views, visits, referral sources, browser types, approximate geographic regions, and website performance measurements.

Cloudflare describes its Web Analytics service as privacy-focused and states that it collects these website measurements without using cookies.

Google Analytics

Sunset Guardian also uses Google Analytics. Google Analytics may collect information about pages viewed, links selected, browser and device characteristics, approximate location, referral sources, and interactions with the website.

Google Analytics uses cookies and similar identifiers to measure website activity. Sunset Guardian does not intentionally send names, email addresses, phone numbers, account numbers, or other directly identifying information to Google Analytics.

Sunset Guardian also sends two limited calculator events. calculator_used records that a visitor changed a calculator field, and related_guide_clicked records that a related-guide link was selected. Each event includes a fixed calculator name. These events do not include entered balances, rates, payments, income, savings, calculator results, or free-text values.

Learn more about how Google uses information from sites that use its services: How Google uses information .

How information is used

Analytics information may be used to:

  • Understand which tools and articles visitors find useful
  • Improve website navigation and content
  • Identify technical problems
  • Measure website speed and reliability
  • Understand general traffic and referral patterns

Information you provide

Sunset Guardian currently does not require visitor accounts, subscriptions, purchases, or calculator data submissions. Calculator entries are processed in your browser and are not intentionally sent to Sunset Guardian.

Third-party services

Sunset Guardian relies on third-party services including Cloudflare and Google. These providers process information under their own terms and privacy policies.

External links

Articles may link to websites operated by other organizations. Sunset Guardian is not responsible for the privacy practices, security, or content of outside websites.

Children’s privacy

Sunset Guardian is intended for a general audience and is not directed toward children under 13. The site does not knowingly collect personal information from children.

Changes to this policy

This policy may be updated when the site adds features, services, advertising, or different analytics tools. The effective date at the top of this page will be updated when material changes are made.

Privacy questions

For privacy questions or requests related to information associated with this website, contact privacy [at] sunset-guardian [dot] com.

This address is reserved for privacy matters. Unsolicited sales and marketing messages are not accepted.

Sunset Guardian

About · Calculator Methodology · Privacy Policy · Financial Disclaimer