plain english · last updated 2026-05-09

privacy policy.

short version: we don’t want your data. the calculator runs in your browser, the URL is the save state, and we have no accounts.

what we collect from you

nothing personal. there are no accounts, no signup forms, no email capture. the calculator inputs you type (income, savings, suburb) stay in your browser and get encoded into the page URL so you can share or bookmark a scenario. they never leave your device on their way to us.

what our hosting + analytics provider sees

this site is hosted on Vercel. Vercel automatically processes standard web request logs (IP address, user agent, referrer, page path) for security, abuse prevention, and aggregate traffic measurement. their privacy policy is at vercel.com/legal/privacy-policy.

we may use a privacy-friendly analytics tool (such as Plausible or PostHog with cookieless mode) to understand which pages are popular. this does not set tracking cookies and does not build a cross-site profile of you. if and when this is enabled, it will be noted here.

advertising — google adsense

this site displays ads served by Google AdSense. Google and its partners may use cookies, web beacons, and similar technologies to serve ads based on your prior visits to this and other websites. Google’s use of advertising cookies enables it and its partners to serve ads based on your visit to this site and/or other sites on the internet.

you can opt out of personalised advertising by visiting google’s ad settings or, more broadly, at aboutads.info and youronlinechoices.com. users in the EEA, UK, and other regions covered by GDPR-style consent rules will see a consent prompt before personalised ads are shown.

for more detail on what google collects, see how google uses information from sites or apps that use our services.

EU / UK / Switzerland — consent banner

if you’re visiting from the European Economic Area, the United Kingdom, or Switzerland, you’ll see a consent banner the first time you load the site. it’s served by google’s certified Consent Management Platform (CMP)and asks whether you’re happy for google and its advertising partners to use cookies for personalised ads.

you have three choices: consent (personalised ads), do not consent (you’ll still see ads, but non-personalised ones), or manage options (granular control over individual purposes and partners). either way the calculator works exactly the same — your choice only affects what ads look like.

you can change your decision at any time by clearing this site’s cookies in your browser, which will trigger the banner to reappear on your next visit. for a full list of advertising partners and what they collect, the “manage options” screen inside the banner is the source of truth — it’s maintained by google, not by us.

cookies

we don’t set first-party tracking cookies ourselves. AdSense and its partners may set cookies in your browser as described above. you can clear them at any time in your browser settings, and you can block third-party cookies entirely if you prefer.

we use sessionStoragefor one tiny non-tracking flag (whether you’ve interacted with the calculator in this session) so first-time hints don’t keep re-appearing. it stays in your browser, expires when you close the tab, and is never sent to us.

your rights

because we don’t hold personal information about you, there’s nothing for you to access, correct, or delete on our side. if you have a question or concern about an ad you saw on this site, you can contact google or the relevant ad network directly via the opt-out links above. for anything else relating to this site, contact us at the email address below.

children

this site is not directed at children under 16, and we do not knowingly collect information from them.

changes to this policy

we’ll update this page if anything changes (e.g. we add a new analytics provider or change ad partners). the “last updated” date at the top will reflect the latest revision.

contact

for any privacy question, write to us at hello@whencanibuyahouse.com.

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how this is calculated

we project your savings forward using the dollar amount you save each month. at the same time, the deposit target — 20% of the suburb median, or 5% if you’re using the first home guarantee — grows at the suburb’s historical annual growth rate, compounded monthly.

the crossover is the first month your savings reach or exceed the deposit target. if the deposit grows faster than you can save, you’ll see “never”— and that’s not a bug. that’s the point.

data: ABS 6432.0 Total Value of Dwellings — Median Price of Established House Transfers (Dec 2025 quarter) · ABS 6432.0 Total Value of Dwellings — Median Price of Attached Dwelling Transfers (Dec 2025 quarter) · last updated 2026-05-09. not financial advice. just maths.