The fine print, in plain words

Privacy & terms

Your numbers stay with you

The kit is a set of files: a spreadsheet and PDFs. It doesn't connect to your bank or to us. What you type stays on your device, or in your own Google account if you use Google Sheets.

The "Find your lowest point" calculator on this site runs entirely in your browser. Nothing you type into it is stored or sent anywhere.

This website

This site doesn't use analytics or advertising trackers, and it sets no cookies of its own. It remembers a light or dark theme choice in your browser, if you make one.

When you buy, the checkout is provided by Gumroad, which loads its own script on this site to open the checkout window and sets its own cookies. Gumroad processes your payment and email address under its own privacy policy, and shares your purchase details (such as your name and email) with us as the seller so we can provide support and refunds. We use them only for that, and for any emails you've agreed to receive.

Refunds and support

If the kit isn't useful to you, ask for a refund within 30 days of purchase by replying to your Gumroad receipt or using Gumroad's contact option. We aim to reply within two business days.

License

Personal use for one household. Print as many worksheet pages as you like. Please don't resell or share the files publicly.

Not advice

Between Deposits is a budgeting tool. It shows what your money will do based on the numbers you enter, and its results are estimates. It doesn't provide financial, investment, tax or legal advice, and it can't tell you how much you can safely withdraw from savings or investments, or whether they'll last. Examples are illustrative and don't describe real people. Social Security dates are calculated from published rules; confirm them at ssa.gov.