How do I calculate loan amortization?

You can calculate loan amortization by determining your monthly payment based on the principal, interest rate, and term, then breaking down each payment into interest and principal portions. Margitrix provides a free Enterprise Loan Calculator that generates full amortization schedules instantly.

How do I calculate my net worth?

Net worth is calculated by adding up all your assets (cash, investments, retirement accounts, real estate, and business equity) and subtracting all your liabilities (mortgages, student loans, car loans, and credit card debt). Margitrix's Net Worth Calculator computes this instantly with multi-currency and benchmark tracking.

How do I estimate my income tax?

Income tax can be estimated by applying your country's progressive tax brackets and deductions to your gross income. Margitrix's Global Tax Calculator supports precise tax rules for 21 countries from 2020 to 2026.

How do I calculate my Etsy profit margin?

To calculate your Etsy profit margin, subtract all fees (listing fee $0.20, transaction fee 6.5%, payment processing ~3%, and any offsite ad fees) plus your cost of goods and shipping from your sale price. Margitrix's free Etsy calculator does this instantly — no signup required.

What fees does Amazon FBA charge?

Amazon FBA fees include a referral fee (typically 8–15% of the sale price), an FBA fulfillment fee based on item size and weight, and optional storage fees. Use Margitrix's Amazon FBA Calculator to get an instant breakdown of all costs and your net profit margin.

Are these calculators free to use?

Yes. All Margitrix calculators — Net Worth, Loan, Tax, Mortgage, Etsy, Amazon FBA, and more — are completely free to use with no signup or account required. All calculations happen instantly in your browser.

Privacy Policy

Last updated: August 1, 2026 · Effective: August 1, 2026

Summary: Margitrix calculators run entirely in your browser. We do not collect or transmit your financial inputs. We use analytics and advertising cookies, which you can control.

1. Introduction

Margitrix ("Margitrix", "we", "our", or "us") operates the website at https://www.margitrix.app (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our financial calculator tools.

By accessing or using Margitrix, you agree to the collection and use of information in accordance with this policy. If you do not agree with this policy, please do not use our Service.

We comply with the EU General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the UK Data Protection Act 2018, and other applicable global privacy regulations.

2. Information We Collect

2.1 Calculator Inputs — Not Collected

All financial calculations on Margitrix — including loan amounts, income figures, tax information, product costs, and profit margins — are processed entirely within your browser. This data is never transmitted to our servers and we have no access to it.

2.2 Information Automatically Collected

When you visit Margitrix, we automatically collect certain technical information:

Log Data: IP address, browser type and version, operating system, referring URL, pages visited, and time/date of visit.
Device Information: Device type, screen resolution, and language settings.
Usage Data: Pages viewed, links clicked, time spent on pages, and navigation patterns.

2.3 Information You Provide

We collect information you actively provide:

Contact Form: Name, email address, and message content when you contact us.
Newsletter: Email address if you subscribe to updates.

2.4 Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies. See our Cookie Policy for full details. Types of cookies we use:

Essential Cookies: Required for the website to function (e.g., theme preference).
Analytics Cookies: Vercel Analytics to understand visitor behaviour. Data is anonymised and aggregated.
Advertising Cookies: Google AdSense may place cookies to serve personalised advertisements based on your browsing history. See Google's Privacy Policy.

3. How We Use Your Information

We use the collected information for the following purposes:

To operate, maintain, and improve our website and calculator tools.
To respond to your enquiries submitted via the contact form.
To monitor and analyse usage patterns to enhance user experience.
To detect, prevent, and address technical issues and security threats.
To display relevant advertisements through Google AdSense.
To comply with legal obligations.

Legal Basis (GDPR): Our legal bases for processing personal data include: your consent (for advertising cookies), our legitimate interests (for analytics), and legal obligations (for security and fraud prevention).

5. Data Retention

We retain personal data for the following periods:

Contact form submissions: Up to 2 years, then permanently deleted.
Analytics data: Up to 14 months (Vercel Analytics default). Aggregated and anonymised after this period.
Log files: Up to 90 days for security and debugging purposes.

Calculator inputs are never stored — they exist only in your browser's memory during your session and are discarded when you close the page.

6. Your Rights

6.1 GDPR Rights (EU/EEA Residents)

Under GDPR, you have the right to:

Access: Request a copy of the personal data we hold about you.
Rectification: Request correction of inaccurate or incomplete data.
Erasure: Request deletion of your personal data ("right to be forgotten").
Restriction: Request restriction of processing your data.
Portability: Request a portable copy of your data in machine-readable format.
Object: Object to processing based on legitimate interests.
Withdraw Consent: Withdraw consent for cookie-based processing at any time.
Lodge a Complaint: File a complaint with your national data protection authority (e.g., ICO in the UK, CNIL in France).

6.2 CCPA Rights (California Residents)

Under the CCPA, you have the right to:

Know what personal information we collect, use, disclose, and sell.
Delete personal information we have collected about you.
Opt out of the sale of your personal information (we do not sell personal data).
Non-discrimination for exercising your CCPA rights.

To exercise any of these rights, contact us at privacy@margitrix.app. We will respond within 30 days.

7. Advertising

Margitrix displays advertisements provided by Google AdSense to support our free tools. Google may use cookies and device identifiers to serve personalised ads based on your interests and prior website visits.

You can opt out of personalised advertising by:

Visiting Google Ad Settings
Using the NAI opt-out tool
Enabling "Do Not Track" in your browser settings
Installing the Google Analytics Opt-out Browser Add-on

For more information, see our Advertising Disclosure.

8. Children's Privacy

Margitrix is not directed to children under the age of 13 (or 16 in the EU/EEA). We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us at privacy@margitrix.app and we will promptly delete that information.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including the United States. These countries may have different data protection laws. When we transfer data internationally, we use appropriate safeguards such as Standard Contractual Clauses (SCCs) approved by the European Commission.

10. Data Security

We implement industry-standard technical and organisational security measures to protect your information, including HTTPS encryption, access controls, and regular security reviews. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

11. Third-Party Links

Our website may contain links to third-party websites (e.g., Amazon, Etsy, Shopify). These are provided for reference only. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies before providing any personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by updating the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of Margitrix after changes constitutes acceptance of the updated policy.

13. Contact Us

For privacy-related questions, requests, or complaints, please contact us:

Margitrix Privacy Team

Email: privacy@margitrix.app

Contact form: margitrix.app/contact

Response time: Within 30 days