About Ledger & Sum

Ledger & Sum is a free collection of financial calculators — mortgage, loan payoff, compound interest, retirement, debt payoff, amortization, and tax bracket estimation. Every calculator runs entirely in your browser: nothing you type is sent anywhere, stored, or logged. There's no sign-up and no account.

It's built for anyone who wants a quick, clear answer to a personal-finance question — "what would my mortgage payment be," "how long until this loan is paid off," "what does compound interest actually add up to" — without wading through a spreadsheet or a sales pitch.

This site is not financial advice. The calculators are educational tools that illustrate how the underlying math works. They don't account for your full financial situation, and the results shouldn't be used as the sole basis for a financial decision. Consult a qualified financial professional before making decisions about loans, investments, retirement, or taxes.

Have feedback or found an error? Contact us at contact@example.com.