General questions about the site, calculators, privacy, and advertising.
Yes — every calculator is completely free, with no account, signup, or usage limit.
No. There are no accounts on this site — every calculator runs entirely in your browser.
Calinsta is an independent, ad-supported site. See our About page for more.
Formula-based calculators (loans, taxes, retirement, HSA) aim to be mathematically exact for the inputs you provide. Estimate-based calculators (insurance costs) use published national averages and are clearly labeled as estimates, not quotes — see our Accuracy Policy.
Yes, figures are updated for the current tax year — see the specific calculator page for which year's figures are in use.
Yes — use our Request a Calculator form.
No — every calculation happens in your browser. Nothing you enter is sent to or stored on our servers.
Standard aggregated analytics (page visits, general traffic patterns) and, once approved, advertising cookies from Google AdSense. See our full Privacy Policy.
Ads (and affiliate links) are how we keep every calculator free with no paywall or account requirement.
No — calculator results are the same regardless of which, if any, affiliate link you click afterward.