Independent learning and free calculators. General information, not financial advice.
WORKING WEALTHYOUR MONEY, WORKING FOR YOU.
WORKING WEALTH / TRANSPARENCY

Your numbers.
On your device.

Working Wealth’s privacy approach for its free education and calculators.

No accounts or financial tracking

You do not need to register. The calculator performs arithmetic in your browser: we do not ask for a bank login, and entered financial amounts are not sent to the Working Wealth server. We do not install analytics scripts, advertising pixels, email marketing trackers or newsletter capture forms in Phase 1.

Save and share controls

The optional Save feature stores your scenario in this browser’s localStorage using a versioned JSON record. The Delete my data button removes that scenario and the share fragment. Export JSON downloads a local file; Import JSON reads it in your browser without uploading it. A share link contains your chosen scenario in the URL fragment (after #), which browsers do not send in the HTTP request URL.

A shared URL may still disclose the embedded inputs to people or apps you choose to share it with. Avoid using personal financial details in a share link.

Hosting metadata

Vercel hosts the website. As a hosting provider, it can process IP addresses, browser request metadata and security logs needed to deliver the service. Our lack of first-party analytics scripts does not mean that hosting providers process no technical data.

Email messages

If you email admin@workingwealth.com.au, the business receives what you include and can use it to reply. Do not send credentials, tax-file numbers, bank statements or other sensitive information through ordinary email.

Updates and requests

If features involving analytics, accounts or marketing are introduced, this page will be reviewed before they are switched on. You can contact the public email to request information about personal data you provided in correspondence. Last updated: 18 October 2026.

Optional scenarios and learning progress

The budget, debt, emergency, super and mortgage tools save a scenario only when you choose Save on device. You can load it or delete it in the same tool. Exported JSON files contain the inputs and should be kept private. The learning pathway saves lesson completion only when you enable its device-saving checkbox; Clear progress removes that record and disables saving.

Choosing Use these figures in the budget planner copies health-check amounts within this browser session. The budget page removes the transfer after reading it. Values are not placed in the page URL or sent to Working Wealth. Device/browser storage may be cleared by your browser and does not sync between devices.

Find what you need

Search runs in your browser. Nothing is sent to a search provider.