70+ calculators, zero signup

Every number you need before you sign anything.

Ledger is a free set of financial calculators for mortgages, loans, investing, retirement, and taxes — each with a clear formula, a visual breakdown, and answers to the questions people actually ask.

70+Calculators
6Categories
$0Cost, no signup
Mortgage & Real Estate

Mortgage & Real Estate Calculators

16 calculators
Mortgage & Real Estate

Mortgage Calculator

Estimate your monthly principal-and-interest payment on a home loan, and see how much of your pa…

Mortgage & Real Estate

Amortization Calculator

See the full year-by-year breakdown of principal and interest for any fixed-rate loan, plus how …

Mortgage & Real Estate

Mortgage Payoff Calculator

Find out how much sooner you'll be mortgage-free — and how much interest you'll save — by adding…

Mortgage & Real Estate

House Affordability Calculator

Estimate the maximum home price you can comfortably afford based on your income, existing debts,…

Mortgage & Real Estate

Rent Calculator

See how much rent fits your budget using the classic percentage-of-income guideline, and how tha…

Mortgage & Real Estate

Debt-to-Income Ratio Calculator

Calculate your DTI ratio — a key number lenders use to evaluate mortgage, auto, and credit appli…

Mortgage & Real Estate

Real Estate Calculator

Project a property's future value based on an assumed annual appreciation rate, and estimate clo…

Mortgage & Real Estate

Refinance Calculator

Compare your current mortgage payment to a new refinanced loan, and find out how long it takes t…

Mortgage & Real Estate

Rental Property Calculator

Analyze a rental property's monthly cash flow, cap rate, and cash-on-cash return before you buy.…

Mortgage & Real Estate

APR Calculator

Find the true annual percentage rate of a loan once origination fees and points are factored in,…

Mortgage & Real Estate

FHA Loan Calculator

Estimate monthly payments on an FHA-backed mortgage, popular for its lower down payment requirem…

Mortgage & Real Estate

VA Mortgage Calculator

Estimate payments on a VA-backed home loan, available to eligible veterans and service members, …

Mortgage & Real Estate

Home Equity Loan Calculator

Estimate the fixed monthly payment on a lump-sum home equity loan borrowed against your home's e…

Mortgage & Real Estate

HELOC Calculator

Estimate interest-only payments during the draw period of a home equity line of credit, and the …

Mortgage & Real Estate

Down Payment Calculator

Calculate how much cash you need for a given down payment percentage, and the loan amount that r…

Mortgage & Real Estate

Rent vs Buy Calculator

Compare the total financial outcome of renting versus buying a home over your expected time hori…

Auto

Auto Calculators

3 calculators
Investment

Investment Calculators

16 calculators
Investment

Compound Interest Calculator

See how your balance grows when interest is earned not just on your principal, but on previously…

Investment

Investment Calculator

Project the future value of an investment given a starting amount, expected return, time horizon…

Investment

Savings Calculator

Project how a savings balance grows over time with regular deposits and compounding interest.…

Investment

CD Calculator

Estimate the value of a certificate of deposit at maturity given its term and annual percentage …

Investment

Interest Calculator

A general-purpose interest calculator for projecting growth on a balance with optional recurring…

Investment

Finance Calculator

A general time-value-of-money solver: project a future value from a present amount, rate, time, …

Investment

Future Value Calculator

Calculate what a present amount — plus any recurring contributions — will grow to at a given int…

Investment

Annuity Calculator

Project the accumulation value of a fixed annuity given a starting deposit, rate, time horizon, …

Investment

Simple Interest Calculator

Calculate interest earned when it accrues only on the original principal, not on previously earn…

Investment

Interest Rate Calculator

Solve for the implied annual interest rate given a starting amount, an ending amount, and a time…

Investment

Present Value Calculator

Find out what a future sum of money is worth today, given a discount rate and time horizon.…

Investment

Bond Calculator

Estimate a bond's fair price given its face value, coupon rate, current market yield, and time t…

Investment

Average Return Calculator

Calculate the compound annual growth rate (CAGR) of an investment given its beginning value, end…

Investment

IRR Calculator

Calculate the internal rate of return for a series of cash flows — the discount rate that makes …

Investment

ROI Calculator

Calculate the total and annualized return on an investment given its cost and the value it retur…

Investment

Payback Period Calculator

Find out how long it takes for an investment's cash flows to recover the initial outlay.…

Retirement

Retirement Calculators

8 calculators
Tax & Salary

Tax & Salary Calculators

5 calculators
Other

Other Calculators

22 calculators
Other

Loan Calculator

A general-purpose loan calculator: estimate the monthly payment, total interest, and total cost …

Other

Payment Calculator

Solve for the fixed monthly payment on any amortizing loan given the amount financed, rate, and …

Other

Currency Calculator

Convert an amount between major world currencies using illustrative reference exchange rates.…

Other

Inflation Calculator

See how inflation erodes purchasing power over time, or what a past amount is equivalent to in t…

Other

Sales Tax Calculator

Calculate the total price of a purchase including sales tax, based on your local tax rate.…

Other

VAT Calculator

Calculate VAT-inclusive or VAT-exclusive amounts for invoices and purchases in VAT-based tax sys…

Other

Credit Card Calculator

See how long it really takes to pay off a credit card balance — and how much interest you'll pay…

Other

Credit Card Payoff Calculator

Find out how many months it takes to pay off a credit card balance at a fixed payment amount, an…

Other

Debt Payoff Calculator

Estimate how long it will take to pay off any fixed-rate debt at a set monthly payment, and the …

Other

Debt Consolidation Calculator

Compare your current combined debt payments to a single consolidated loan at a new rate and term…

Other

Repayment Calculator

Estimate the fixed monthly payment required to repay any loan balance over a chosen term.…

Other

Student Loan Calculator

Estimate your monthly student loan payment and total interest cost based on your balance, rate, …

Other

College Cost Calculator

Project the future cost of college given today's cost and an assumed tuition inflation rate, alo…

Other

Depreciation Calculator

Estimate annual depreciation and remaining book value of an asset using straight-line or declini…

Other

Margin Calculator

Calculate gross profit margin and markup percentage from a revenue and cost figure.…

Other

Discount Calculator

Calculate the final price and total savings after applying a percentage discount to an original …

Other

Business Loan Calculator

Estimate the monthly payment and total interest on a fixed-rate business loan or SBA loan.…

Other

Personal Loan Calculator

Estimate the monthly payment and total interest cost on an unsecured personal loan.…

Other

Boat Loan Calculator

Estimate the monthly payment on a boat loan based on the purchase price, down payment, rate, and…

Other

Lease Calculator

Estimate a monthly lease payment based on the capitalized cost, residual value, lease term, and …

Other

Budget Calculator

Check your monthly budget against the popular 50/30/20 guideline for needs, wants, and savings.…

Other

Commission Calculator

Calculate the commission earned on a sale given the sale amount and commission rate.…