The Ledger
Free forever — no sign-up

Money math that's actually satisfying to look at.

Nine calculators for the numbers that keep you up at night. Enter what you know, see the full picture instantly — including the parts most tools quietly leave out.

$0
cost, ever
Instant
live results
9
calculators live
Try “credit card”, “compound interest” or “mortgage” — press Enter to open it
Your numbers → the full picture
$15,000 balance 6.5% APR $400/mo
3 yrs 7 mos
until debt-free
Principal$15,000
Interest you'll pay$1,813
Total paid$16,813
Add $100/mo and it drops to 2 yrs 9 mos — saving $399.
The tools

Pick the question you're trying to answer.

Every calculator updates live as you type, shows a full breakdown of where your money goes, and explains the assumptions behind the number.

01
Debt

Loan Payoff Calculator

Find your debt-free date, and see exactly what an extra monthly payment buys you in time and interest saved.

› When will this be paid off?
› What does $100 extra actually save?
Open calculator →
02
Debt

Snowball vs. Avalanche

Add all your debts and compare both payoff strategies side by side — including which order to clear them in.

› Smallest balance or highest rate first?
› How much does the choice really cost?
Open calculator →
03
Saving

Compound Interest Calculator

See what regular contributions grow into over time — and how much of the final balance you never had to deposit.

› What will my savings be worth?
› How much of that is growth?
Open calculator →
04
Income

Take-Home Pay Calculator

Federal brackets, Social Security and Medicare applied to your salary using current 2026 IRS figures.

› What lands in my account?
› Where is the rest going?
Open calculator →
05
Housing

Mortgage Affordability

Work backwards from lender debt-to-income limits to the home price that genuinely fits your budget.

› What house can I afford?
› What's the real monthly cost?
Open calculator →
06
Debt

Credit Card Payoff

Compare shrinking minimum payments against a fixed amount. The gap between them is usually years.

› How long will minimums take?
› What if I just don't reduce it?
Open calculator →
07
Vehicles

Auto Loan Calculator

Your real car payment including sales tax, dealer fees and trade-in — plus what the car costs over the whole loan.

› What will my car payment be?
› What does this car really cost?
Open calculator →
08
Income

Hourly to Salary

Convert an hourly rate into yearly, monthly and weekly pay — handling overtime and unpaid time off.

› What's my hourly rate per year?
› Is this offer better than my job?
Open calculator →
09
Saving

Savings Goal Calculator

How long your goal takes at your current pace — or how much per month it takes to hit a fixed deadline.

› When will I reach my goal?
› How much must I save monthly?
Open calculator →
No calculator matches that yet. Try a simpler word like “debt”, “savings”, “pay” or “mortgage”.
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Why this exists

Most calculators hide the uncomfortable half.

They show you a monthly payment and stop. These show the total cost, the assumptions behind it, and what the tool can't account for.

Your numbers stay yours

No accounts, no email gate. Every calculation runs in your browser — what you type is never sent to a server. Full privacy policy.

Real figures, cited

Tax brackets and payroll limits come from current IRS and SSA publications, and the pages say which ones so you can check.

Honest about limits

Each page lists what it excludes — PMI, closing costs, inflation, tax credits — because a confident number that quietly omits things is worse than no number.

Explained, not just computed

Every tool comes with a worked example and a plain-language walkthrough of the maths behind it.