Cookie Policy
How we use cookies on this website
Last updated: 1 April 2026
What are cookies?
Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences, understand how you use the site, and deliver relevant advertising. This policy explains which cookies we use and why.
Essential Cookies
Required for basic website functionality
These cookies are necessary for the website to function properly. They enable core features like page navigation and access to secure areas. The website cannot function correctly without these cookies, and they cannot be disabled.
- Session management — keeps the site working as you navigate between pages
- Cookie consent — remembers your cookie preferences so we don't keep asking
- Security features — protects against cross-site request forgery and other threats
Analytics Cookies
Help us understand how visitors use our site
We use Google Analytics to understand how visitors interact with our website. This helps us improve the user experience and identify technical issues. Analytics data is collected anonymously and is never linked to your financial calculator data.
- Google Analytics (GA4) — tracks page views, session duration, and user flow
- Performance monitoring — helps us identify slow pages and errors
- Traffic sources — tells us how visitors find our website
Advertising Cookies (Google AdSense)
Used to show relevant advertisements
We use Google AdSense to display advertisements that help keep our calculator free for everyone. Google and its partners may use cookies to serve ads based on your prior visits to this site and other websites. Advertising cookies are only loaded on content pages — never on the calculator itself where you enter financial data.
- Ad personalisation — Google may show ads relevant to your interests
- Frequency capping — limits how often you see the same advertisement
- Ad performance — measures whether ads are being seen and clicked
Your financial calculator data is never shared with advertising partners. All pension calculations happen locally in your browser and are completely separate from advertising.
Managing Your Cookie Preferences
You can control and manage cookies in several ways:
- Browser settings — most browsers let you block or delete cookies. Check your browser's help section for instructions. Note that blocking all cookies may affect website functionality.
- Google Ad Settings — you can opt out of personalised advertising by visiting Google Ad Settings
- Network Advertising Initiative — opt out of third-party advertising cookies at optout.networkadvertising.org
- Your Online Choices — manage advertising preferences for multiple companies at youronlinechoices.com
Your financial data stays private
Cookies are completely separate from your retirement calculator data. All pension calculations happen in your browser — your financial information is never sent to our servers, stored in databases, or shared with anyone, including advertising partners. When you close your browser, your calculator data is gone unless you've chosen to save it locally.
For more information about how we handle your data, please read our Privacy Policy. If you have questions about our use of cookies, contact us at [email protected].