Privacy

Your numbers never leave your browser

This is not a promise about how carefully we store your salary. There is nowhere for it to be stored.

The calculators

Every calculation on this site runs entirely in your own browser using JavaScript loaded with the page. Your income, debts, family circumstances and any other input are never transmitted to us, because no server-side calculator exists to receive them. Closing the tab discards them.

What we do collect

We collect basic, aggregate usage information — which pages are viewed, and broad technical details such as browser type — to understand which calculators are useful. This is not linked to an identity and does not include anything you type into a calculator.

Cookies

The calculators themselves set no cookies and require none. If advertising is introduced, this page will be updated before it appears, and any consent required under Australian law will be sought at that time.

Third parties

Page fonts are served by Google Fonts. Beyond that, the calculator pages load no third-party scripts.

Contact

Privacy questions go to hello@payko.com.au. Payko is operated by Cenex Pty Ltd (ABN 28 630 572 315), trading as Synthetik, and we handle personal information in accordance with the Privacy Act 1988 (Cth).

Anonymous calculator events

To improve the tools, Payko counts calculation starts, successful results, input errors and actions such as sharing or copying. These event counts contain only the tool name and action. They contain no salary, loan balance, form values or visitor identifiers. Counts are grouped by UTC day. Global Privacy Control and Do Not Track disable this browser telemetry. Ordinary web server access logs and the page analytics described above are separate.

Sharing a calculation deliberately puts your selected inputs in the shared link so its recipient can reproduce it.