TheLedger Try the free tools

Free tools · No sign-up · Live results

See where your money really goes.

Instant calculators for mortgages, loans, credit cards and investing. Drag a slider, watch the chart update — and understand your biggest financial decisions in seconds, not spreadsheets.

100% free forever No sign-up, nothing stored Results as you type

Pick a tool. Get your answer in seconds.

Most used: mortgage →

Every calculator updates live as you move the sliders — no “calculate” button, no waiting. Each result comes with a color chart showing exactly where every dollar goes.

Mortgage calculator

Your real monthly payment — principal, interest, taxes and insurance — plus the total interest over the life of the loan.

Calculate now →

Loan calculator

Personal or auto loan: amount, APR and term → your monthly payment and the true total cost before you sign anything.

Calculate now →

Credit card payoff

How many months until you're debt-free at your current payment — and how much faster it goes with $50 more.

Calculate now →

Compound interest

Project how an initial amount plus monthly contributions grows over the years — and how much is pure interest.

Calculate now →

How it works

No spreadsheets, no formulas, no finance degree. Three steps and you're done.

1

Pick your question

“What would my mortgage cost?” “When will my card be paid off?” Choose the calculator that matches your decision.

2

Drag the sliders

Move price, rate or term and watch every number recalculate instantly. Test scenarios in seconds — what if rates drop? What if I pay $100 more?

3

Read the chart

A color breakdown shows exactly where each dollar goes — interest vs. principal, tax vs. insurance — so the answer is obvious at a glance.

Real example

$100 extra a month on a $6,500 card balance saves

$2,912 in interest

At 24% APR, paying $250/month takes almost 3 years and costs $2,304 in interest. Paying $350 clears it in 22 months. Small change, huge difference — run your own numbers in the payoff calculator.

Try it with my balance
Paying $250/mo35 months · $2,304 interest
Paying $350/mo22 months · $1,392 interest

Bar length = time to debt-free. Same balance, same APR — only the payment changes.

0%
Avg. credit card APR (2026)
0%
S&P 500 historic annual return
0%
Housing rule: max income on payment
0
Recommended emergency fund

Guides that skip the jargon

Start here →

Get one useful money idea, every week.

No spam, no hot takes, no jargon. One short email that makes you slightly better with money. Unsubscribe anytime.