445 calculators · free · nothing to sign up for
Do the money maths before you make the decision.
Ledgerlight is a small library of careful financial calculators. Type a number, watch the answer move, and see exactly which assumptions produced it.
Tip: press ⌘K to jump straight to a tool.
Most useful, most often
All 445 toolsFive things people actually calculate
Grow what you keep
Saving & investing
Compounding, savings goals, cash buffers and the plain arithmetic of net worth.
49 tools →
Get out faster, pay less
Debt & credit
Loan payments, payoff order and the real cost of carrying a balance.
28 tools →
The biggest number you will decide
Housing
What a lender will support, and whether owning actually beats renting for you.
27 tools →
Turn a balance into an income
Retirement
Long-horizon projections, employer matches and withdrawal maths.
25 tools →
What you earn, after everything
Income & pay
Hourly conversions, take-home estimates and what a raise is really worth.
28 tools →
Make idle cash work
Banking & rates
Interest, APY comparisons, CDs and the quiet damage inflation does to savings.
38 tools →
Estimate before it lands
Taxes
Sales tax, VAT, capital gains, property tax and what a bonus really pays.
34 tools →
Pricing, margins and payback
Small business
Break-even volume, margins, freelance rates and the cost of winning a customer.
38 tools →
The true cost of getting there
Auto & travel
Car affordability, fuel, depreciation, commuting and trip budgets.
33 tools →
Fund it, or pay it off
Education
Student loan payoff and refinancing, college savings and tuition inflation.
12 tools →
Cover the gap, not the sales pitch
Insurance & protection
How much life cover you need, plan costs and income protection maths.
13 tools →
The small numbers that add up
Everyday money
Tips, discounts, unit prices, subscriptions and the household budget.
26 tools →
Yields, equity and cash flow
Property investing
Rental yield, cash-on-cash returns, refinancing and the cost of buying.
25 tools →
Fund the things ahead
Life planning
Weddings, babies, moves, sabbaticals and long-horizon savings goals.
26 tools →
Price your time properly
Work & freelancing
Overtime, offers, day rates, invoicing terms and business runway.
27 tools →
Volatility, in numbers
Crypto & risk
Averaging in, staking, fees, impermanent loss and recovering from drawdowns.
16 tools →
Your numbers stay yours
Every calculation runs in the browser. There is no backend to send salaries or balances to, so there is nothing to leak.
Free, without the catch
No tiers, no gated exports, no email wall in front of a result. The whole library is open the moment you land.
Assumptions on the page
Each tool states how it calculates and what it assumes, so you can judge whether the answer applies to you.