Actual Mortgage Cost Calculator

Privacy Policy

Last updated: 08/06/2026

Actual Mortgage Cost Calculator ("the extension") is built to keep as little data as possible, and to keep almost everything it does need entirely on your own device. This page explains exactly what the extension stores, what (if anything) leaves your device, and why.

What the extension reads from a listing page

When you click the extension on a supported home listing page (Zillow, Realtor.com, Redfin, Homes.com, or Trulia), it reads that page's available details — address, listing price, beds/baths/square footage, lot size, year built, HOA fee, property tax, insurance, listing status, and price history — to fill in the calculator where it can. This only happens when you actively click the extension icon; it never reads pages in the background or without you asking it to. This data stays on your device and is never sent anywhere. Loan details (down payment, interest rate, term, credit score) and any other figures the page doesn't show are always typed in by you.

What's stored on your device

The extension saves the following locally, using Chrome's built-in extension storage (not a server, not a database we run):

• Your saved defaults (loan terms, tax/insurance rates, utility costs, and similar preferences), so you don't have to re-enter them every time.
• Your calculation history — the homes you've looked up and their cost breakdowns — so you can revisit or compare them later.
• Whether you've purchased a 30-Day Pass, and when it expires.
• A random, anonymous ID for your installation (not tied to your name, email, or any account) — see "What actually leaves your device" below for what it's used for.

None of this is an account. There's no sign-up, no login, and nothing here identifies you personally. Uninstalling the extension deletes all of it.

What actually leaves your device

Almost nothing does. The one exception:

• Payment verification. If you buy a 30-Day Pass, checkout happens entirely on Stripe's own secure payment page — the extension never sees or stores your card details. After checkout, the extension's anonymous installation ID (mentioned above) is sent to our small verification server (hosted on Cloudflare) to confirm the purchase and unlock the pass. That's the only thing that ID is ever used for. Stripe itself, as the payment processor, collects what it needs to process your payment (such as your email, for a receipt) — that's governed by Stripe's own privacy policy; we don't receive or store your payment details ourselves.

We don't run analytics that leave your device, we don't use tracking cookies or pixels, and we don't sell or share data with advertisers — there's no data of that kind to sell in the first place.

Permissions the extension requests, and why

• Read the current tab, only when you click the extension: to pull the available listing details off a home-listing page you're already viewing.
• Storage: to save your preferences and calculation history locally, as described above.
• Access to specific listing sites (Zillow, Realtor.com, Redfin, Homes.com, Trulia): the minimum needed to read listing pages, as described above.
• Access to our payment verification server (a *.workers.dev address): to confirm a Pass purchase using only the anonymous installation ID, as described above.

The extension does not request access to browse or read any site beyond this list.

Changes to this policy

If what the extension collects or does ever changes, this page will be updated and the extension's Chrome Web Store listing will reflect the current version.

Contact

Questions about this policy or the extension: jtshine17@gmail.com

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