RateLedger
Financial calculators that show the full picture.
About Us
A free hub of financial calculators built to help you make confident decisions about savings, loans, and investments — no sign-ups, no cost, and no data leaving your browser.
What This Site Is For
RateLedger brings together the calculators people actually need when weighing a financial decision: a mortgage and loan calculator that shows the full cost of borrowing, and a savings and investment calculator that reveals how compound interest grows your money over time. Each tool gives you a clear, honest picture of the numbers so you can compare options and plan with confidence.
Our Mission
Making financial math simple and accessible for everyone. We believe the numbers behind a loan, a savings plan, or an investment should be clear to anyone — not hidden behind jargon, paywalls, or lengthy forms. Every tool on RateLedger runs instantly in your browser and explains its own math in plain language.
How Our Calculators Are Built
Every calculator uses standard, well-established financial formulas — the same amortization and compound-interest equations used by lenders and textbooks. The mortgage calculator applies M = P × [r(1+r)^n] / [(1+r)^n − 1], and the savings calculator applies A = P × (1 + r/n)^(n × t). Each tool is checked against reference schedules, and the accompanying content is reviewed for clarity and correctness so the results are both accurate and easy to understand.
Who We Are
RateLedger is run by a small independent team focused on building financial education tools. We are not a lender, a broker, or a financial advisor — we are a publisher that believes better tools lead to better decisions. We keep the site free through clearly marked advertising, and we never sell the numbers you enter, because they never leave your device.
Thank you for trusting RateLedger with your numbers. If you spot an error or have an idea for a calculator we should build next, we would love to hear from you.