What this site stores, and what it doesn't.
NYC Affordability runs entirely in your browser. This page explains exactly what's saved, where, and how the ads on this site work.
Last updated: August 2, 2026Overview
NYC Affordability has no server-side backend, no user accounts, and no login. There is nothing to sign up for and nothing we can look up about you, because nothing you enter is ever transmitted to a server we control. The calculators are static pages; all math runs client-side in JavaScript in your own browser.
The only data this site stores is what your browser's local storage holds on your own device, described below, plus whatever Google AdSense's advertising system does independently to serve ads (also described below).
Local storage (stays on your device)
If you use the "Save inputs" or "Save profile" toggle on a calculator, your entries are written to your browser's localStorage — a storage mechanism built into every browser that is scoped to this site and never sent anywhere automatically. It exists purely so your numbers are still there the next time you open the same calculator in the same browser. If you don't enable saving, nothing is written and your session resets when you close the tab.
| Key | Used by | Purpose |
|---|---|---|
nyc_shared_profile | All calculators, Compare | Income, other debts, and account balances shared across every tool so you don't re-enter them |
nyc_shared_assumptions_rent | Rent, Compare | Rent calculator assumptions (income multiplier, insurance, reserve buffer) |
nyc_shared_assumptions_coop | Co-op, Compare | Co-op assumptions (mortgage rate, down payment %, maintenance, DTI limit, reserve months) |
nyc_shared_assumptions_condo | Condo, Compare | Condo assumptions (mortgage rate, down payment %, common charges, taxes, DTI limit) |
nyc_coop_inputs | Co-op calculator | Full set of co-op-specific calculator inputs |
nyc_condo_inputs | Condo calculator | Full set of condo-specific calculator inputs |
nyc_rent_inputs | Rent calculator | Full set of rent-specific calculator inputs |
nyc_affordable_inputs | Affordable Housing Finder | Household size, income, and unit-size inputs for AMI eligibility |
nyc_reality_check_inputs | Housing Reality Check | Liquid savings and household size for the Reality Check tool — kept separate from nyc_shared_profile so its single-number simplification never overwrites a fuller account breakdown you've built on another calculator |
These values persist until you clear your browser's site data or storage for www.nyc-affordability.com, or until you turn off saving. The legacy co-op domain uses a one-time redirect that copies nyc_coop_inputs and nyc_shared_profile into a URL fragment so a saved profile can carry over to the canonical domain — that fragment is read once by your browser and then removed from the address bar; it is never sent to any server in the process. The NYC Sale Net Proceeds calculator (/sell/) stores nothing — it doesn't have a Save toggle and resets when you close the tab.
Sharing your result
Calculator pages and the Reality Check tool have a "Share your result" button. Clicking it builds a short text summary of your calculated result (e.g. a max purchase price and which limit it hit) and hands that text to your device's native share sheet, or — on browsers/devices without one — copies it to your clipboard instead. Only that computed summary is included: no account balances, account names, debts, or other raw inputs are ever part of the shared text, and nothing is sent to any server we control in the process. Where you share it from there is up to you and subject to that app's own privacy practices, not ours.
Third-party advertising (Google AdSense)
This site shows ads served by Google AdSense (Google's AdSense program). Google and its advertising partners use cookies — including the DoubleClick cookie — to serve ads based on your visits to this site and other sites on the internet. This lets Google show ads that may be more relevant to you (personalized ads) rather than generic ones (non-personalized ads).
We do not control what data Google or its partners collect through these cookies, and this policy doesn't cover their practices. For details on how Google uses information from sites that use its services, see Google's "How Google uses information from sites or apps that use our services". This site publishes an ads.txt file, which is a standard transparency mechanism that lets ad exchanges verify who is authorized to sell ad inventory on this domain.
Your ad choices
You can control or opt out of personalized advertising through:
- Google Ads Settings — manage or turn off personalized ads from Google
- Network Advertising Initiative (NAI) opt-out — opt out of participating third-party ad networks
- Digital Advertising Alliance (DAA) opt-out — a similar industry-wide opt-out tool
- Your browser's own cookie, tracking-protection, or content-blocking settings
Opting out of personalized ads doesn't remove ads from this site — it means the ads you see are no longer based on your browsing history.
Analytics
This site uses Cloudflare Web Analytics to measure aggregate page-load performance and traffic. It's cookieless and doesn't track you across other sites — it doesn't use any client-side state (cookies, local storage, or fingerprinting) to identify individual visitors. We don't run Google Analytics or any similar tool of our own, and have no other visibility into visitor behavior beyond this and what Google AdSense's own ad-serving reports may show in aggregate.
Children's privacy
This site is not directed at children under 13 and does not knowingly collect information from anyone, regardless of age — see the Overview above.
Changes to this policy
If this policy changes, the "last updated" date at the top of this page will change to reflect it. Material changes will be reflected here directly; there is no separate mailing list or account to notify since the site collects no contact information.
Contact
Questions about this policy or how the site works can be raised via the Contact page. See the About page for more on who maintains this project, and the Terms of Service for the full legal terms of using this site.