Last updated 22 August 2026
Plain versions of both, on one page. If anything here is unclear, email me and I will explain it properly.
Everything sold here is a digital file — usually a single HTML file that opens in any web browser. There is nothing physical, nothing to install, and no account to create.
Once you buy it, the file is yours. It works offline, it does not expire, and it will keep working whether or not this website does.
Because these are instant digital downloads, all sales are final and no refunds are offered. Once the file has been downloaded it cannot be returned, so there is nothing to give back.
That is exactly why every paid file has a free tool in front of it. The free version runs the same engine on your own numbers, so you can see precisely how it thinks before you spend anything. Use it first.
It took real work to build. Sharing it with a friend is not the end of the world; putting it on a site for download is.
If I improve a file after you have bought it, you have the version you downloaded. I may email buyers a newer one, but I am not promising to.
The free tools are free, all of them, with no signup. They run entirely in your browser — what you tick, type or enter is never sent anywhere. Nothing about your closet, your morning or your gift list reaches me or anyone else.
Some tools remember your last session on your own device so you do not have to start over. That is stored in your browser, only on your device, and clearing your browser data removes it. I cannot see it.
The tools do maths and give you an answer. They are not medical, financial, or professional advice, and they are not a substitute for it.
You can use everything here without giving me an email address. If you choose to, here is exactly what happens.
That is all. No name unless you give one, no tracking of what else you do online.
I do not sell your email address, rent it, or hand it to anyone. Every letter has an unsubscribe link, one click, no questions. You can also email me and I will delete you and everything attached to you.
Only the services that make this work: my website host, my email platform, and my payment processor. Each holds it to do its job and nothing else. Payments are handled by Payhip and their payment providers — I never see or store your card details.
I do not set advertising cookies and there is no tracking pixel following you around. The only browser storage used is the local kind described above, which never leaves your device.
Some links to products are commissionable — if you buy through one, I may earn a small commission at no extra cost to you. It never changes what I recommend, and I only link to things I would put in my own house.
EDIT: change this section if you stop using ShopMy.
I try to keep everything here accurate and working, but I cannot promise the site is always up or always right. The tools are provided as they are. If one gives you a wrong answer, tell me and I will fix it — but I am not liable for decisions you make based on it.
These terms may change. The date at the top is when they last did.
A real person reads this. For a deletion request, a bug, a download problem, or a question about any of the above: