Financial details are sensitive, so PGYield collects only what the math needs and nothing that could move money. We never ask for Social Security numbers, account numbers or bank logins.
Without an account
Calculators work without signing up. What you enter stays in your browser: in the page address (so you can bookmark or share a result) and, if you set up a plan, in your browser’s local storage. We don’t receive it.
With an account
- Your email address, a username and a password hash (we never store the password itself).
- Your financial profile: stage, income, loans, household and similar planning inputs, stored in our database and readable only by you, a partner you link, and the people who run PGYield.
- Session records for signing you in, including the IP address and browser that started the session, kept until the session expires or you sign out.
- If you link a partner’s account: the email you invited, when you linked, and what each of you shares. Your partner sees only the categories you share (income and taxes, loans and PSLF, retirement accounts, goals); accounts you mark as from before marriage stay private unless you share them. Either of you can unlink at any time, and then neither sees the other’s data.
- If you turn on reminders, which reminder topics you chose. If you create a share link, the link’s creation date; the link itself is stored only as a hash, and you can revoke it anytime.
What we do with it
We use your data to run the calculators, keep your plan in sync across devices and send the reminders you asked for. We don’t sell your data, share it with lenders or use it for advertising.
Analytics
If analytics are on, we use a privacy-friendly, cookie-free service that counts page views in aggregate. It sees page paths, not the numbers you type, and doesn’t identify you.
Your choices
- Download everything we hold about you as JSON from your account.
- Delete your profile, or your whole account, from the same page. Deletion is immediate.
- Turn reminders off at any time from Your journey.
Separate from other sites
PGYield accounts are separate. We don’t share logins or data with any other site.
Last updated October 14, 2026